No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 36-1236610 NONE | Claims processing Service code 12 | — | $921K |
| ZENNITH ADMINISTRATORS EIN 52-1590516 NONE | Contract Administrator Service code 13 | — | $460K |
| SESSIONS, LAMBERT, & SELWYN EIN 76-0535912 NONE | Legal Service code 29 | — | $84K |
| DELTA DENTAL INSURANCE CO EIN 23-7322578 NONE | Claims processing Service code 12 | — | $68K |
| SPECTRUM REVIEW SERVICES EIN 71-1017135 NONE | Claims processing Service code 12 | — | $67K |
| MORGAN STANLEY SMITH BARNEY EIN 26-4310632 NONE | Investment advisory (plan) Service code 27 | — | $52K |
| HARPER & PEARSON COMPANY, P.C. EIN 74-1695589 NONE | Accounting (including auditing) Service code 10 | — | $36K |
| OSBORN, CARRIER & ASSOCIATES EIN 71-0631123 NONE | Actuarial Service code 11 | — | $29K |
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 | 1,950 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,950 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,950 | $18.1M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,165 | $72K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,165 | $771K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 2,165 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,165 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.