| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VISION SERVICE PLAN3 | 3333 QUALITY DRIVE RANCHO CORDOVA, CA 95670 | VISION SERVICE PLAN | — | $221K | $221K | 9.46% |
| VISION SERVICE PLAN3 | 3333 QUALITY DRIVE RANCHO CORDOVA, CA 95670 | VISION SERVICE PLAN | — | $63K | $63K | 9.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MACRC BENEFIT FUNDS OFFICE, LLC EIN 93-3419571 RELATED ORGANIZATION | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services Service code 13 | — | $8.9M |
| MARATHON HEALTH LLC EIN 84-3269071 NONE | Contract Administrator Service code 13 | — | $5.3M |
| BLUE CROSS BLUE SHIELD EIN 36-1236610 NONE | Claims processing; Other insurance fees and expenses; Contract Administrator; Non-monetary compensation Service code 12 | — | $5.1M |
| MIDWEST COALITION OF LABOR EIN 83-1371306 NONE | Contract Administrator Service code 13 | — | $3.7M |
| PREMISE HEALTH SYSTEMS, INC. EIN 23-3057155 NONE | Contract Administrator Service code 13 | — | $3.1M |
| UMR EIN 39-1995276 NONE | Other investment fees and expenses; Claims processing Service code 12 | — | $2.2M |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Contract Administrator; Claims processing Service code 12 | — | $2.0M |
| MID-AMERICA CARPENTERS REGIONAL BEN EIN 87-3501792 RELATED ORGANIZATION | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | — | $1.2M |
| ONSITE DENTAL, LLC EIN 47-3824789 NONE | Contract Administrator Service code 13 | — | $601K |
| WELLINGTON TRUST COMPANY EIN 04-2755549 NONE | Soft dollars commissions; Investment management fees paid directly by plan; Investment management Service code 28 | — | $431K |
| OPTUM FINANCIAL EIN 47-0858530 NONE | Other fees; Claims processing Service code 12 | — | $401K |
| DELTA DENTAL OF ILLINOIS EIN 36-2612058 NONE | Claims processing Service code 12 | — | $378K |
| LYRA HEALTH, INC. EIN 47-2935915 NONE | Claims processing Service code 12 | — | $351K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Investment management; Investment management fees paid directly by plan; Float revenue; Custodial (securities) Service code 19 | — | $312K |
| MCGANN KETTERMAN & RIOUX EIN 36-3968279 NONE | Legal Service code 29 | — | $286K |
| SEGAL EIN 13-1975125 NONE | Actuarial; Consulting (general) Service code 11 | — | $282K |
| REINHART BOERNER VAN DEUREN SC EIN 39-1126909 NONE | Legal Service code 29 | — | $208K |
| SEGALL BRYANT & HAMILL, LLC EIN 35-2679129 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $203K |
| ABSOLUTE SOLUTIONS, LLC EIN 27-3584158 NONE | Contract Administrator Service code 13 | — | $183K |
| ARNOLD & KADJAN, LLP EIN 36-2498571 NONE | Legal Service code 29 | — | $150K |
| REMKE PRINTING, INC. EIN 36-3840374 NONE | Copying and duplicating Service code 36 | — | $146K |
| THE UNION LABOR LIFE INSURANCE CO. EIN 13-1423090 NONE | Other investment fees and expenses; Investment management; Investment management fees paid directly by plan Service code 28 | — | $142K |
| COMMERCE BANK EIN 48-0962626 NONE | Investment management fees paid directly by plan; Shareholder servicing fees; Custodial (securities) Service code 19 | — | $127K |
| THE ADVERTISERS PRINTING COMPANY EIN 43-0153380 NONE | Copying and duplicating Service code 36 | — | $126K |
| LEGACY PROFESSIONALS, LLP EIN 32-0043599 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing) Service code 10 | — | $107K |
| OLD NATIONAL BANK EIN 35-1729164 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $90K |
| PEAK SPORT & SPINE EIN 90-0180929 NONE | Contract Administrator Service code 13 | — | $86K |
| CHEIRON, INC. EIN 13-4215617 NONE | Actuarial; Consulting (general) Service code 11 | — | $80K |
| THE LASALLE NETWORK EIN 36-4319267 NONE | Other services Service code 49 | — | $79K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796473 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $77K |
| START HEARING EIN 76-0769449 NONE | Contract Administrator Service code 13 | — | $45K |
| NORTHERN TRUST GLOBAL INVESTMENTS EIN 36-2723087 NONE | Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Other fees; Investment management Service code 28 | — | $40K |
| VISION SERVICE PLAN EIN 20-0891619 NONE | Claims processing Service code 12 | — | $35K |
| THE WAGNER LAW GROUP, PC EIN 04-3323315 NONE | Legal Service code 29 | — | $33K |
| ANDERS MINKLER HUBER & HELM LLP EIN 43-0831507 NONE | Accounting (including auditing) Service code 10 | — | $33K |
| LOOMIS, SAYLES & COMPANY L.P. EIN 04-3200030 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $31K |
| ALAN BILLER AND ASSOCIATES EIN 94-2854958 NONE | Investment advisory (plan) Service code 27 | — | $27K |
| MERCY HEALTH EIN 43-1664148 NONE | Contract Administrator Service code 13 | — | $19K |
| INVESCO ADVISERS INC. EIN 58-1707262 NONE | Investment management Service code 28 | — | $19K |
| SOMMERS & FAHRENBACH, INC. EIN 36-1796440 NONE | Copying and duplicating Service code 36 | — | $12K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan) Service code 27 | — | $12K |
| CONCIERGE HEARING CARE EIN 84-1840926 NONE | Contract Administrator Service code 13 | — | $10K |
| CITY WIDE MAINTENANCE CO. EIN 39-2416752 NONE | Other services Service code 49 | — | $8K |
| BEACON TECHNOLOGIES GROUP, INC. EIN 35-2060827 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $6K |
| KOPP SECURITY LLC EIN 83-1719029 NONE | Other services Service code 49 | — | $5K |
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 | 26,745 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12,774 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 39,519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 34,891 | $200.7M |
| Vision(2 contracts) | VISION SERVICE PLAN | 11,392 | $3.0M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 29,112 | $1.7M |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 29,112 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34,891 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.