No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICES CORPORATION EIN 36-1236610 CLAIMS ADMINISTRATOR | Claims processing; Contract Administrator; Direct payment from the plan; Participant communication; Other services; Non-monetary compensation; Named fiduciary Service code 12 | — | $809K |
| CIGNA EIN 59-1031071 CLAIMS ADMINISTRATOR | Claims processing; Direct payment from the plan; Named fiduciary; Other services; Contract Administrator; Participant communication; Non-monetary compensation Service code 12 | — | $102K |
| EMPLOYEE RESOURCE SYSTEMS EIN 36-3867645 EMPLOYEE ASSISTANCE PROGR | Other services Service code 49 | — | $30K |
| EXPRESS SCRIPTS EIN 43-1420563 CLAIMS ADMINISTRATOR | Claims processing; Participant communication; Contract Administrator; Direct payment from the plan Service code 12 | — | $8K |
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 | 1,778 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,074 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,852 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 2,639 | $15.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 449 | $116K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,843 | $1.4M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,843 | $1.4M |
| Prescription drug | EXPRESS SCRIPTS | 1,227 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ILLINOIS | 2,639 | $15.8M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,843 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,639 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.