| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VISION SERVICE PLAN3 | 3333 QUALITY DRIVE RANCHO CORDOVA, CA 95670 | VISION SERVICE PLAN | — | $232K | $232K | 11.30% |
| VISION SERVICE PLAN3 | 3333 QUALITY DRIVE RANCHO CORDOVA, CA 95670 | VISION SERVICE PLAN | — | $74K | $74K | 16.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 36-1236610 NONE | Claims processing; Other insurance fees and expenses; Non-monetary compensation; Contract Administrator Service code 12 | — | $6.2M |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Contract Administrator; Claims processing Service code 12 | — | $703K |
| WELLINGTON TRUST COMPANY EIN 04-2755549 NONE | Investment management fees paid directly by plan; Investment management; Soft dollars commissions Service code 28 | — | $611K |
| MCGANN KETTERMAN & RIOUX EIN 36-3968279 NONE | Legal Service code 29 | — | $566K |
| LEGACY PROFESSIONALS, LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $531K |
| COMPSYCH CORPORATION EIN 36-3739783 NONE | Claims processing Service code 12 | — | $415K |
| SEGAL EIN 13-1975125 NONE | Actuarial; Consulting (general) Service code 11 | — | $354K |
| OPTUM FINANCIAL EIN 46-0891463 NONE | Claims processing; Other fees Service code 12 | — | $341K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Investment management; Investment management fees paid directly by plan; Float revenue; Custodial (securities) Service code 19 | — | $306K |
| DELTA DENTAL OF ILLINOIS EIN 36-2612058 NONE | Claims processing Service code 12 | — | $236K |
| SEGALL BRYANT & HAMILL, LLC EIN 35-2679129 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $199K |
| K GUASTAFERRI EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $198K |
| ABSOLUTE SOLUTIONS, LLC EIN 27-3584158 NONE | Contract Administrator Service code 13 | — | $194K |
| V HALSELL EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $193K |
| LYRA HEALTH EIN 47-2935915 NONE | Claims processing Service code 12 | — | $181K |
| N DIAZ EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $166K |
| S CORNEJO-MAGANA EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $150K |
| S GALINDO EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $145K |
| E JOHNSON EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $144K |
| L CRAVION EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $144K |
| L POWELL EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $143K |
| B LESTERS EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $139K |
| M MOLLOY EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $134K |
| REINHART BOERNER VAN DEUREN SC EIN 39-1126909 NONE | Legal Service code 29 | — | $133K |
| M CRESPO EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $130K |
| M ZAMUDIO EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $129K |
| S RIVERA EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $128K |
| A BEDOLLA EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $126K |
| T DROGOS EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $123K |
| D DREW EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $122K |
| A GAINES EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $120K |
| K DIAZ EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $117K |
| L MARTINEZ EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $114K |
| T PARSON EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $114K |
| M HERRINGTON EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $113K |
| B RADTKE EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $113K |
| A WOLOSZCZUK EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $112K |
| S OLINGER EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $111K |
| C MONTOR EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $111K |
| L JONES EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $111K |
| S STIGLER EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $111K |
| THE UNION LABOR LIFE INSURANCE CO. EIN 13-1423090 NONE | Investment management fees paid directly by plan; Investment management; Other investment fees and expenses Service code 28 | — | $111K |
| R KELLEY EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $111K |
| D MCGHEE EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $108K |
| S MUNOZ EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $103K |
| R WEGNER EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $101K |
| M SHOEMAKER EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $93K |
| M AVILA EIN 36-6130207 EMPLOYEE | Employee (plan) Service code 30 | — | $92K |
| MCJESSY CHING & THOMPSON EIN 59-3776245 NONE | Legal Service code 29 | — | $90K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC. EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $89K |
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 | 10,822 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10,582 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 21,404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 21,404 | $192.8M |
| Vision(2 contracts) | VISION SERVICE PLAN | 11,029 | $2.5M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 21,404 | $1.9M |
| Other | HARTFORD LIFE AND ACCIDENT | 21,404 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,404 | — |
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.