| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE ST., SUITE 3400 CHICAGO, IL 60661 | SUN LIFE AND HEALTH INSURANCE COMPANY | $4K | $13K | $17K | 5.18% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 2.85% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE ST., SUITE 3400 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.00% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE ST., SUITE 3400 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF ILLINOIS EIN 36-1236610 ADMINISTRATOR | Contract Administrator Service code 13 | — | $1.1M |
| LOCKTON COMPANIES, LLC EIN 20-3354970 INSURANCE BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $166K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $69K |
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 | 2,567 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 278 | $1.0M |
| Life insurance(3 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 2,810 | $710K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 586 | $144K |
| Long-term disability(3 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 2,810 | $397K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,516 | $678K |
| Other(5 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 2,912 | $620K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,912 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.