| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMERCIAL GROUP INTERMEDIARIES3 | 2356 HASSELL ROAD, SUITE F HOFFMAN ESTATES, IL 60169 | THE UNION LABOR LIFE INSURANCE COMPANY | $20K | — | $20K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 NONE | Other insurance fees and expenses; Claims processing Service code 12 | — | $240K |
| BENEFITS MANAGEMENT GROUP, INC. EIN 84-1677167 NONE | Contract Administrator Service code 13 | — | $167K |
| BRENDAN BERIGAN NONE | Consulting (general) Service code 16 | 8608 HORTON CIRCLE URBANDALE, IA 50322 | $33K |
| LWBJ, LLP EIN 42-1462849 NONE | Accounting (including auditing) Service code 10 | 4200 UNIVERSITY AVE, SUITE 410 WEST DES MOINES, IA 50266 | $19K |
| GERMAINE LAW FIRM, PLLC NONE | Legal Service code 29 | 600 3RD ST SE SUITE 200 CEDAR RAPIDS, IA 52401 | $17K |
| DAY RETTIG MARTIN, P.C. EIN 42-1386412 NONE | Legal Service code 29 | — | $16K |
| DENTAL NETWORK OF AMERICA NONE | Other insurance fees and expenses Service code 73 | 701 E 22ND ST 300 LOMBARD, IL 60148 | $10K |
| MIDWEST COALITION OF LABOR CREDIT U NONE | Other insurance fees and expenses Service code 73 | 6240 JOLIET RD COUNTRYSIDE, IL 60525 | $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 | 344 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 367 | $400K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.
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.