| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE STREET, SUITE 600 CHICAGO, IL 60661 | WESTPORT INSURANCE CORPORATION | $50K | — | $50K | 5.00% |
| ALTERNATIVE RISK SOLUTIONS LLC3 Filed as: ALTERNATIVE RISK SOLUTIONS, LLC | 250 BEL MARIN KEYS BOULEVARD SUITE G-3 NOVATO, CA 94949 | WESTPORT INSURANCE CORPORATION | — | — | $0 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE STREET, SUITE 600 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 1.63% |
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE STREET, SUITE 600 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.03% |
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE STREET, SUITE 600 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.80% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 WEST MONROE SUITE 3400 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $40 | $40 | 2.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF ILLINOIS EIN 36-1236610 ADMINISTRATOR | Contract Administrator Service code 13 | — | $1.3M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 31-5581829 ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $80K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 BROKER | Insurance agents and brokers; Other commissions Service code 22 | — | $34K |
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 | 3,798 | 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) | 3,798 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,560 | $249K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,798 | $301K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,445 | $207K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 2,773 | $999K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,798 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,798 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.