| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 725 S FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | BLUECROSS BLUESHIELD OF ILLINOIS | $124K | $30K | $154K | 5.57% |
| LOCKTON COMPANIES, LLC3 | 14005 LIVE OAK AVE #23878 IRWINDALE, CA 91706 | RELIASTAR LIFE INSURANCE COMPANY | $36K | — | $36K | 12.22% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 842875 BOSTON, MA 02284 | RELIASTAR LIFE INSURANCE COMPANY | — | $1K | $1K | 0.40% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF ILLINOIS | $3K | — | $3K | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEX, INC. EIN 01-0526993 TPA | Contract Administrator; Claims processing Service code 12 | — | $7K |
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 | 416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 46 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 456 | $2.8M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 456 | $2.8M |
| Vision | BLUECROSS BLUESHIELD OF ILLINOIS | 233 | $28K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 416 | $296K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 416 | $296K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 416 | $296K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 416 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 456 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.