| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES LLC | 3 CITYPLACE DR, STE 900 ST. LOUIS, MO 631417088 | BLUECROSS BLUESHIELD OF ILLINOIS | $66K | — | $66K | 2.20% |
| BANTERRA INSURANCE SERVICES INC.3 | 1500 US HIGHWAY 45 N ELDORADO, IL 629303788 | BLUECROSS BLUESHIELD OF ILLINOIS | $49K | — | $49K | 1.64% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES LLC | 3 CITYPLACE DR, STE 900 SAINT LOUIS, MO 631417088 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $43 | $10K | 16.82% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES LLC | 444 W. 47TH ST, STE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.83% |
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 | 360 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 448 | $3.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 360 | $62K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 360 | $62K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 360 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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.