| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC C/O BANK OF A | 15939 COLLECTION CENTER DRIVE CHICAGO, IA 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | $5K | $32K | 12.99% |
| LEAGUE CORP3 | 515 NORTH STATE STREET 14 FLOOR CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 0.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DRIVE SUITE 900 ST. LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $7K | $10K | 6.94% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $543 | — | $543 | 0.85% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DRIVE SUITE 900 ST. LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $475 | $148 | $623 | 19.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DRIVE SUITE 900 ST. LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $244 | $69 | $313 | 19.25% |
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 | 1,500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 472 | $64K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,567 | $150K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 796 | $248K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,567 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,567 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.