| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | COMMUNITY INSURANCE COMPANY | $20K | $15K | $35K | 0.55% |
| SCHAUER GROUP INC3 Filed as: SCHAUER GROUP INCORPORATED | 200 MARKET AVENUE NORTH CANTON, OH 44702 | COMMUNITY INSURANCE COMPANY | $164 | $0 | $164 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $73K | $0 | $73K | 10.49% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $14K | $14K | 2.08% |
| THE ULTIMATE SOFTWARE GROUP3 Filed as: THE ULTIMATE SOFTWARE GROUP, INC. | 1485 NORTH PARK DRIVE WESTON, FL 33326 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.63% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | KAISER FOUNDATION HEALTH PLAN INC. | $20K | $0 | $20K | 4.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 NORTH WACKER DRIVE, STUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | $0 | $4K | 0.97% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | KAISER FOUNDATION HEALTH PLAN INC. | $11K | $0 | $11K | 4.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 NORTH WACKER DRIVE, STUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | $0 | $2K | 0.76% |
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 | 652 | 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) | 652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 976 | $7.1M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 330 | $695K |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 976 | $7.1M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 330 | $695K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 330 | $695K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 330 | $695K |
| Prescription drug(3 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 976 | $7.1M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 330 | $695K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 976 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.