| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FST ASSOCIATION INC3 | 55 W MONROE ST STE 500 CHICAGO, IL 606035151 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | — | $39K | 0.72% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | $43 | $38K | 0.69% |
| FST ASSOCIATION INC3 | 55 W MONROE ST STE 500 CHICAGO, IL 60603 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $37K | $37K | 0.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD FL 14 CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | — | $31K | 0.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 0.36% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $16K | $16K | 0.29% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $43 | $3K | 1.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 55 E JACKSON BLVD FL 14 CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $351 | $351 | 0.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BUSINESSOLVER EIN 42-1503807 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $4.2M |
| ACS HR SOLUTIONS EIN 04-3609848 NONE | Recordkeeping fees; Direct payment from the plan Service code 50 | — | $4.1M |
| TELADOC EIN 04-3705970 NONE | Other services; Direct payment from the plan Service code 49 | — | $75K |
| TRUVEN HEALTH ANALYTICS, INC. EIN 06-1467923 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $36K |
| NIXON PEABODY LLP EIN 16-0764720 NONE | Legal; Direct payment from the plan Service code 29 | — | $31K |
| DIRECTPATH, LLC EIN 02-0677999 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $22K |
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 NONE | Other fees; Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $2K |
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 | 5,762 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 406 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 17,423 | $5.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 17,423 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,423 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.