| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORATION | $28K | $2K | $30K | 2.10% |
| THOMAS SCHAFFLER3 Filed as: THOMAS L HARTE | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORATION | $5K | $0 | $5K | 0.33% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NW SUITE 800 ATLANTA, GA 30305 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | $7K | $34K | 6.58% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.33% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NW SUITE 800 ATLANTA, GA 30305 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 8.00% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NW SUITE 800 ATLANTA, GA 30305 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NW SUITE 800 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 8.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $57 | $1K | 15.84% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | HUMANA INSURANCE COMPANY | $648 | $0 | $648 | 9.85% |
| THOMAS SCHAFFLER3 Filed as: THOMAS L. HARTE | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | HUMANA INSURANCE COMPANY | $108 | $0 | $108 | 1.64% |
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 | 684 | 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) | 696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORATION | 123 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6 | $100K |
| Vision | HUMANA INSURANCE COMPANY | 119 | $7K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 706 | $534K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 45 | $33K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 706 | $534K |
| Prescription drug | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORATION | 123 | $1.4M |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 706 | $641K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 706 | — |
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.