| 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 | $213K | — | $213K | 2.98% |
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE STREET, SUITE 600 CHICAGO, IL 60661 | RELIASTAR LIFE INSURANCE COMPANY | $132K | $0 | $132K | 3.20% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $84K | $0 | $84K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 111 EAST KILBOURN AVENUE, SUITE 825 MILWAUKEE, WI 53202 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | $0 | $36K | 4.81% |
| LOCKTON COMPANIES, LLC3 | 111 EAST KILBOURN AVENUE, SUITE 825 MILWAUKEE, WI 53202 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | $0 | $33K | 4.60% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY, LLC | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $13K | $0 | $13K | 1.84% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET, NW, SUITE 200 WASHINGTON, DC 20006 | FOUR EVER LIFE INSURANCE COMPANY | $28K | $0 | $28K | 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 | 13,431 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 83 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | COMMUNITY INSURANCE COMPANY | 21,492 | $157.5M |
| Dental(4 contracts, 3 carriers) | DELTA DENTAL OF OHIO | 23,522 | $9.0M |
| Vision(4 contracts, 3 carriers) | VISION SERVICE PLAN | 9,545 | $3.5M |
| Life insurance(5 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 17,930 | $5.9M |
| Short-term disability(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 257 | $1.5M |
| Long-term disability(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 17,930 | $5.6M |
| Prescription drug(6 contracts, 5 carriers) | COMMUNITY INSURANCE COMPANY | 21,492 | $157.2M |
| Other(5 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 17,930 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,522 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.