| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE STREET, SUITE 600 CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF ILLINOIS | $233K | $75K | $308K | 2.64% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $119K | $0 | $119K | 8.10% |
| BRUCE A. SAMMIS3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $28K | $0 | $28K | 2.96% |
| BRUCE A. SAMMIS3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | BLUE CARE NETWORK OF MICHIGAN | $19K | $0 | $19K | 2.98% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | VISION SERVICE PLAN | $3K | $0 | $3K | 1.83% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.12% |
No Schedule C service providers reported on this filing.
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 | 1,077 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,077 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 2,532 | $13.2M |
| Vision | VISION SERVICE PLAN | 1,665 | $147K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,077 | $1.5M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,077 | $1.5M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,077 | $1.5M |
| Prescription drug(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 2,532 | $13.2M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,077 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,532 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.