| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | BLUECROSS BLUESHIELD OF ILLINOIS | $242K | $11K | $253K | 3.13% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | $63K | $52 | $63K | 6.66% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12K | $12K | 1.23% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $12K | $22K | 7.41% |
| RONALD M KLEIMAN3 Filed as: RONALD M. KLEIMAN | 4522 RFD LONG GROVE, IL 60047 | TRUSTMARK INSURANCE COMPANY | $5K | $0 | $5K | 4.71% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 3.22% |
| ADVANCED BENEFITS COMMUNICATIONS3 | ONE BELMONT AVENUE, SUITE 304 BALA CYNWYD, PA 19004 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 1.27% |
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 | 1,780 | 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) | 1,780 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,465 | $8.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,007 | $952K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,007 | $952K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,007 | $1.1M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,409 | $299K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,409 | $299K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 1,465 | $8.1M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,007 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,007 | — |
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.