| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS5 | 50 WHITECAP DRIVE N. KINGSTON, RI 02852 | EXPRESS SCRIPTS, INC. PRESCRIPTION DRUG PLAN | $11K | — | $11K | 3.71% |
| THE SEGAL COMPANY5 Filed as: THE SEGAL COMPANY (MIDWEST), INC. | 333 WEST 34TH STREET NEW YORK, NY 10001 | EXPRESS SCRIPTS, INC. PRESCRIPTION DRUG PLAN | $7K | — | $7K | 2.47% |
| AMWINS5 | 50 WHITECAP DRIVE N. KINGSTON, RI 02852 | UNITED AMERICAN INSURANCE COMPANY RETIREE MEDICAL | $25K | — | $25K | 10.23% |
| THE SEGAL COMPANY5 Filed as: THE SEGAL COMPANY (MIDWEST), INC. | 333 WEST 34TH STREET NEW YORK, NY 10001 | UNITED AMERICAN INSURANCE COMPANY RETIREE MEDICAL | $8K | — | $8K | 3.41% |
| VISION SERVICE PLAN3 Filed as: VISION SERVICE PLAN OF ILLINOIS | 222 SOUTH RIVERSIDE PLAZA CHICAGO, IL 60606 | VISION SERVICE PLAN OF ILLINOIS | — | $14K | $14K | 7.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 NONE | Claims processing Service code 12 | — | $578K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Contract Administrator Service code 13 | — | $461K |
| THE SEGAL COMPANY (MIDWEST) INC EIN 13-1975125 NONE | Actuarial Service code 11 | — | $284K |
| MCGANN KETTERMAN AND RIOUX, LTD EIN 36-3968279 NONE | Legal Service code 29 | — | $159K |
| MACNELL ACCOUNTING & CONSULTING EIN 30-0510353 NONE | Accounting (including auditing) Service code 10 | — | $128K |
| AMERICAN REALTY ADVISORS EIN 33-0123114 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $73K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan) Service code 27 | — | $70K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $65K |
| WEX HEALTH, INC EIN 06-1593514 NONE | Claims processing; Other fees Service code 12 | — | $32K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Float revenue; Other investment fees and expenses; Custodial (securities) Service code 19 | — | $20K |
| ULLICO INVESTMENT ADVISORS INC EIN 52-6435649 NONE | Investment management fees paid directly by plan; Investment management; Soft dollars commissions Service code 28 | — | $16K |
| INVESCO ADVISORS INC EIN 58-1707262 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $12K |
| BRIAN ATKINS EIN 36-6599036 TRUSTEE | Trustee (individual) Service code 20 | — | $6K |
| DAN AUSSEM EIN 36-6599036 TRUSTEE | Trustee (individual) Service code 20 | — | $6K |
| DANA OAKS EIN 36-6599036 TRUSTEE | Trustee (individual) Service code 20 | — | $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 | 1,180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 282 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INSURANCE COMPANY RETIREE MEDICAL | 128 | $243K |
| Vision | VISION SERVICE PLAN OF ILLINOIS | 1,218 | $185K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,093 | $27K |
| Prescription drug | EXPRESS SCRIPTS, INC. PRESCRIPTION DRUG PLAN | 131 | $292K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,271 | $909K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 1,093 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,271 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.