| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE STREET SUITE 600 CHICAGO, IL 60661 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $201K | $5K | $206K | 3.07% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $52 | $27K | 5.55% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.49% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 5.19% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 0.92% |
| RONALD M KLEIMAN3 Filed as: RONALD M. KLEIMAN | 4522 RFD LONG GROVE, IL 60047 | TRUSTMARK INSURANCE COMPANY | $24K | $0 | $24K | 19.75% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | TRUSTMARK INSURANCE COMPANY | $14K | $0 | $14K | 11.88% |
| ADVANCED BENEFITS COMMUNICATIONS3 | ONE BELMONT AVENUE, SUITE 304 BALA CYNWYD, PA 19004 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 2.31% |
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 | 597 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,284 | $6.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,237 | $481K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,237 | $481K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,007 | $539K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,007 | $417K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,007 | $417K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,284 | $6.7M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,007 | $539K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,284 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.