Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan has rich benefits or a bad rate.
The filing reports zero broker compensation on a plan over 100 participants. The plan likely buys direct or does not report its broker. Give it a call.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
HealthPPO | HealthPPO | |
Vision | Vision | |
Dental | Dental | |
Health | Health | |
Stop-loss | Stop-loss |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 5 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,999 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 176 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,175 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 5,158 | $30.8M |
| Dental | DELTA DENTAL OF ILLINOIS | 2,185 | $48K |
| Vision | VISION SERVICE PLAN OF ILLINOIS | 2,187 | $240K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 2,165 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,158 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Other services; Direct payment from the plan Service code 49 | — | $332K |
| CAVANAGH & O'HARA EIN 37-1259635 NONE | Legal; Direct payment from the plan Service code 29 | — | $121K |
| EMPLOYEE 2 EIN 37-1117215 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $110K |
| WEX NONE | Contract Administrator; Direct payment from the plan Service code 13 | 1 HANCOCK ST PORTLAND, ME 04101 | $109K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796473 NONE | Other services; Direct payment from the plan Service code 49 | — | $104K |
| EMPLOYEE 1 EIN 37-1117215 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $102K |
| ROMOLO & ASSOCIATES, LLC EIN 84-2885766 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $95K |
| EMPLOYEE 5 EIN 37-1117215 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $88K |
| EMPLOYEE 6 EIN 37-1117215 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $86K |
| EMPLOYEE 8 EIN 37-1117215 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $86K |
| EMPLOYEE 4 EIN 37-1117215 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $83K |
| EMPLOYEE 3 EIN 37-1117215 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $82K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $77K |
| MID-AMERICA CARP REG CNCL BEN FDS EIN 87-3501792 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $64K |
| EMPLOYEE 7 EIN 37-1117215 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $54K |
| LEVI, RAY, & SHOUP, INC EIN 37-1073724 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $54K |
| UNITED SYSTEMS AND SOFTWARE, INC EIN 59-1918677 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $52K |
| MORGAN STANLEY SMITH BARNEY EIN 11-3658445 NONE | Other fees; Custodial (securities); Securities brokerage; Investment advisory (plan); Other services; Securities brokerage commissions and fees; Direct payment from the plan Service code 19 | — | $32K |
| FRANKLIN TEMPLETON NONE | Direct payment from the plan; Investment management Service code 28 | 620 EIGHTH AVE, 48TH FLOOR NEW YORK, NY 10018 | $29K |
| WEAVER C BARKSDALE & ASSOCIATES, IN EIN 62-1217255 NONE | Direct payment from the plan; Investment management fees paid directly by plan Service code 50 | — | $21K |
| CARPENTERS PENSION FUND OF ILLINOIS EIN 36-6147396 NONE | Other services; Direct payment from the plan Service code 49 | — | $18K |
| THE SEGAL COMPANY (EASTERN STATES), EIN 13-1835864 NONE | Direct payment from the plan; Other services Service code 49 | — | $16K |
| ILLINOIS NATIONAL BANK EIN 37-0274319 NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $11K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
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11 filings · 2015 to 2025