| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELITE ADMINISTRATION3 Filed as: ELITE ADMINISTRATION & INSUR GROUP | 1211 W 22ND ST., STE 820 OAK BROOK, IL 60523 | THE UNION LABOR LIFE INSURANCE COMPANY | $99K | — | $99K | 8.00% |
| KOCHER INSURANCE GROUP, INC.3 | 1165 N. CLARK STREET, SUITE 7 CHICAGO, IL 606102982 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 2.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHEILD OF ILLINOIS EIN 36-1236610 NONE | Claims processing; Non-monetary compensation; Other insurance fees and expenses Service code 12 | — | $2.8M |
| ELITE ADMIN & INSURANCE GROUP, INC. EIN 36-2238689 NONE | Other services; Contract Administrator; Claims processing Service code 12 | — | $791K |
| CARRIE GATH EIN 36-6198426 EMPLOYEE | Employee (plan) Service code 30 | — | $209K |
| VALENZ CARE EIN 36-4869660 NONE | Other services Service code 49 | — | $139K |
| VERONICA MISTER EIN 36-6198426 EMPLOYEE | Employee (plan) Service code 30 | — | $113K |
| DELTA DENTAL OF IL EIN 36-2612058 NONE | Contract Administrator; Claims processing Service code 12 | — | $111K |
| RECOVERY SERVICES, INC. EIN 36-4212536 NONE | Other services Service code 49 | — | $100K |
| CLAUDIA ERAZO EIN 36-6198426 EMPLOYEE | Employee (plan) Service code 30 | — | $88K |
| LAURA WHITEFORD EIN 36-6198426 EMPLOYEE | Employee (plan) Service code 30 | — | $79K |
| MESIROW FINANCIAL INVESTMENT MGT EIN 36-3429599 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $63K |
| OPTUMRX, INC. EIN 33-0441200 NONE | Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | — | $59K |
| VISION SERVICE PLAN EIN 20-0891619 NONE | Claims processing; Contract Administrator Service code 12 | — | $58K |
| JOHNSON & KROL, LLC EIN 36-4342024 NONE | Legal Service code 29 | — | $55K |
| ABSOLUTE SOLUTIONS, LLC EIN 27-3584158 NONE | Other services Service code 49 | — | $49K |
| AON INVESTMENTS, USA EIN 36-3109431 NONE | Investment advisory (plan) Service code 27 | — | $40K |
| LEGACY PROFESSIONALS, LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $37K |
| TWENTYFOUR7 MEDIA & PROMOTIONS, INC EIN 75-3218971 NONE | Copying and duplicating; Other services; Participant communication Service code 36 | — | $29K |
| FOSTER AND FOSTER, INC. EIN 59-1921114 NONE | Actuarial; Consulting (general) Service code 11 | — | $26K |
| LAYER 7 SYSTEM, LLC EIN 26-1638894 NONE | Other services Service code 49 | — | $14K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Float revenue; Investment management; Account maintenance fees; Other fees; Other services Service code 28 | — | $12K |
| HEALTH MANAGEMENT SYSTEMS, INC EIN 13-2770433 NONE | Other services Service code 49 | — | $10K |
| US BANK N.A. EIN 31-0841368 NONE | Float revenue; Other investment fees and expenses; Soft dollars commissions; Custodial (securities) Service code 19 | — | $10K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 5,114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 5,040 | $129K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 5,114 | $1.2M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 5,040 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,114 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.