| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF OHIO | $157K | $0 | $157K | 2.75% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | HARTFORD LIFE AND ACCIDENT | $57K | $0 | $57K | 2.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $0 | $10K | $10K | 0.35% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $59K | $0 | $59K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $21K | $0 | $21K | 2.00% |
| LOCKTON COMPANIES, LLC3 | 111 EAST KILBOURN AVENUE, SUITE 825 MILWAUKEE, WI 53202 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | $0 | $32K | 4.57% |
| HEWITT INSURANCE BROKERAGE LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $148 | $20K | $20K | 5.84% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | FOUR EVER LIFE INSURANCE COMPANY | $19K | $0 | $19K | 8.00% |
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 | 10,742 | 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) | 10,742 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | COMMUNITY INSURANCE COMPANY | 16,982 | $87.4M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF OHIO | 18,540 | $6.6M |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 6,583 | $2.1M |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 10,501 | $3.7M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $693K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,619 | $1.7M |
| Prescription drug(6 contracts, 6 carriers) | COMMUNITY INSURANCE COMPANY | 16,982 | $87.2M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 10,742 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,540 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.