| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $782K | $0 | $782K | 15.52% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BLVD OVERLAND PARK, KS 66211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $782K | $0 | $782K | 15.52% |
| GCG FINANCIAL LLC5 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $57K | $464 | $57K | 1.22% |
| DAVID DANZIG & ASSOCIATES3 Filed as: DAVID LEVITZ | SUITE 500 THREE PARKWAY NORTH DEERFIELD, IL 60015 | SECURIAN LIFE INSURANCE COMPANY | $227K | $0 | $227K | 4.98% |
| DAVID DANZIG & ASSOCIATES3 Filed as: DAVID L LEVITZ | SUITE 500 THREE PARKWAY NORTH DEERFIELD, IL 60015 | SECURIAN LIFE INSURANCE COMPANY | $34K | $0 | $34K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $16K | $0 | $16K | 17.51% |
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 | 17,405 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 247 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 17,652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 15,718 | $7.9M |
| Dental(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 3,814 | $1.7M |
| Vision | VISION SERVICE PLAN | 11,098 | $1.6M |
| Life insurance(4 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 25,709 | $7.6M |
| Short-term disability(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 722 | $4.8M |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 722 | $4.7M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 198 | $1.7M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 198 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,709 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.