| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELITE ADMINISTRATION3 Filed as: ELITE ADMINISTRATION & INS GROUP | 1211 W. 22ND ST SUITE 820 OAK BROOK, IL 605233223 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $5K | $7K | $12K | 12.50% |
| ELITE ADMINISTRATION3 Filed as: ELITE ADMINISTRATION & INS GROUP | 1211 W. 22ND ST SUITE 820 OAK BROOK, IL 605233223 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $444 | $653 | $1K | 12.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 NONE | Non-monetary compensation; Claims processing; Other insurance fees and expenses Service code 12 | — | $967K |
| MEDICAL INSURANCE CONSULTING GROUP EIN 36-3800520 NONE | Consulting (general); Other fees Service code 16 | — | $167K |
| REINHART BOERNER VAN DEUREN, SC EIN 39-1126909 NONE | Legal Service code 29 | — | $149K |
| CHRISTINE KLUK CAPONIGRI EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $126K |
| WELLDYNERX, INC. EIN 83-0338400 NONE | Contract Administrator; Claims processing Service code 12 | — | $125K |
| THE SEGAL COMPANY (MIDWEST), INC. EIN 13-1975125 NONE | Actuarial; Consulting (general) Service code 11 | — | $122K |
| SUSAN SCHMIDT EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $114K |
| DIANA PENDERGRASS EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $101K |
| ROBERT NIKSA EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $89K |
| DEBORAH WILLIAMS EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $89K |
| THOMAS PASCO EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $85K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $84K |
| RIZAL PAHATI EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $82K |
| CAROL ETHERIDGE EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $77K |
| JACQUELINE PETROVICH EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $75K |
| RICHARD BURGESS EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $75K |
| DIANA MAGNUSKI EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $73K |
| WENDY BURKE EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $73K |
| GEORGE LITAS EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $72K |
| MARGI DEVOE EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $69K |
| ELIZABETH ROLON EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $69K |
| CASSANDRA LEWIS EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $69K |
| LAURA MADAJ EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $66K |
| KATHLEEN TUFFNER EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $64K |
| JOHN KLOSTERMANN EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $60K |
| MINER, BARNHILL & GALLAND, P.C. NONE | Legal Service code 29 | 325 N. LASALLE, SUITE 350 CHICAGO, IL 60654 | $60K |
| DEBRA KUENSTLE EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $59K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC EIN 23-2182079 NONE | Other services Service code 49 | — | $58K |
| CHRISTINE STRONG EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $56K |
| BRENDA SPAID EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $53K |
| JOAQUIN MORALES EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $52K |
| ANGELA RAMIREZ EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $49K |
| PATRICIA ZEPEDA EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $47K |
| SEGALL BRYANT & HAMILL EIN 41-1788385 NONE | Investment management; Investment management fees paid directly by plan; Soft dollars commissions Service code 28 | — | $45K |
| DAVID MINEAU EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $44K |
| TERESA REMO EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $42K |
| THE KARMEL LAW FIRM EIN 20-4035194 NONE | Legal Service code 29 | — | $41K |
| LINDA BENO EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $39K |
| LORENZO GARCIA EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $38K |
| HARRY REIFF EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $36K |
| CAROLYN PTASINSKI EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $36K |
| ZORAIDA RIOS EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $35K |
| JOSE MARTINEZ EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $32K |
| JANICE ALLISON EIN 36-6598490 EMPLOYEE | Employee (plan) Service code 30 | — | $26K |
| DENTAL NETWORK OF AMERICA, LLC EIN 36-3339483 NONE | Claims processing Service code 12 | — | $20K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Account maintenance fees; Custodial (securities); Soft dollars commissions Service code 19 | — | $16K |
| MARCO CONSULTING GROUP, INC. EIN 36-3555078 NONE | Consulting (general); Investment advisory (plan) Service code 16 | — | $10K |
| HUNT INSURANCE AGENCY, INC. EIN 36-2730032 NONE | Other commissions Service code 55 | — | $0 |
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 | 2,180 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 2,031 | $104K |
| Other(2 contracts) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 2,031 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,031 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.