| 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 LIFE INSURANCE COMPANY | $3K | $4K | $7K | 13.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 NONE | Other insurance fees and expenses; Claims processing; Non-monetary compensation Service code 12 | — | $433K |
| BENESYS, INC. NONE | Other fees; Plan Administrator; Claims processing; Non-monetary compensation Service code 12 | 700 TOWER DRIVE, SUITE 300 TROY, MI 48098 | $321K |
| MEDICAL INSURANCE CONSULTING GROUP EIN 36-3800520 NONE | Consulting (general) Service code 16 | — | $182K |
| SEGAL CONSULTING EIN 13-1975125 NONE | Consulting (general); Actuarial Service code 11 | — | $156K |
| REINHART BOERNER VAN DEUREN, SC EIN 39-1126909 NONE | Legal Service code 29 | — | $126K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $121K |
| ACTIVE HEALTH MANAGEMENT, INC. EIN 52-2182411 NONE | Other services Service code 49 | — | $50K |
| WELLDYNERX, LLC EIN 84-1515837 NONE | Contract Administrator; Claims processing Service code 12 | — | $48K |
| SEGALL BRYANT & HAMILL EIN 35-2679129 NONE | Investment management; Soft dollars commissions; Investment management fees paid directly by plan Service code 28 | — | $37K |
| THE KARMEL LAW FIRM EIN 20-4035194 NONE | Legal Service code 29 | — | $35K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Plan Administrator; Claims processing Service code 12 | — | $31K |
| BRIDGEWAY BENEFIT TECHNOLOGIES LLC EIN 52-1796473 NONE | Other services Service code 49 | — | $23K |
| IRON MOUNTAIN INFORMATION MGT LLC EIN 23-2588479 NONE | Other services Service code 49 | — | $16K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Custodial (securities); Float revenue; Soft dollars commissions; Account maintenance fees Service code 19 | — | $14K |
| SEGAL MARCO ADVISORS, INC. EIN 13-2646110 NONE | Investment advisory (plan) Service code 27 | — | $13K |
| SOMMERS & FAHRENBACH, INC. EIN 36-1796440 NONE | Copying and duplicating Service code 36 | — | $11K |
| DENTAL NETWORK OF AMERICA, LLC EIN 36-3339483 NONE | Claims processing Service code 12 | — | $7K |
| 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 | 761 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 761 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 1,244 | $51K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 1,244 | $51K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 1,244 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,244 | — |
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.