| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE STREET, SUITE 600 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $8K | $8K | 0.20% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $210 | $10K | 2.38% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP, INC. | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 2.16% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP, LLC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.61% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $794 | $794 | 0.19% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12 | $12 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET SUITE 3400 CHICAGO, IL 60661 | AXIS INSURANCE COMPANY | $29K | $0 | $29K | 12.18% |
| INSURAMAX INC3 Filed as: INSURAMAX | 805 NORTH WHITTINGTON PARKWAY SUITE 150 LOUISVILLE, KY 40222 | METROPOLITAN GENERAL INSURANCE COMPANY | $388 | $0 | $388 | 2.67% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $70 | $70 | 0.48% |
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 | 560 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 357 | $3.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 570 | $427K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 771 | $36K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 570 | $427K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 570 | $427K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 570 | $427K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 357 | $3.7M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 570 | $441K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 771 | — |
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.