| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 505115 ST. LOUIS, MO 63150 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | $13K | $43K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 505115 ST. LOUIS, MO 63150 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $17K | $17K | 3.82% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DR SUITE 900 ST LOUIS, MO 63141 | RELIASTAR LIFE INSURANCE COMPANY | $22K | — | $22K | 9.49% |
| MARKET PLACE INSURANCE SERVICES INC3 | DBA INSURECHAMPAIGN 1704 S NEIL ST, SUITE A CHAMPAIGN, IL 61820 | VISION SERVICE PLAN | $3K | — | $3K | 2.91% |
| LARRY CREWS3 | 101 FLORA DR CHAMPAIGN, IL 61821 | VISION SERVICE PLAN | $2K | — | $2K | 2.01% |
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 | 847 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 917 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ALLIANCE MEDICAL PLANS | 102 | $308K |
| Vision | VISION SERVICE PLAN | 592 | $90K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,321 | $229K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 847 | $432K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,321 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,321 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.