| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | ONE OAKBROOK TERRACE STE 500 OAKBROOK TERRACE, IL 60181 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $23K | $23K | 0.14% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 641843844 | VISION SERVICE PLAN | $4K | — | $4K | 1.98% |
| HEALTH CARE SERVICES CORP3 | 300 EAST RANDOLPH DRIVE CHICAGO, IL 60603 | FOUR EVER LIFE INSURANCE COMPANY | — | $3K | $3K | 4.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | UNION SECURITY INSURANCE COMPANY | $305 | — | $305 | 0.75% |
| HEALTH CARE SERVICES CORPORATION3 Filed as: HEALTH CARE SERVICE CORP | 300 EAST RANDOLPH DRIVE CHICAGO, IL 60603 | FOUR EVER LIFE INS CO. | — | $1K | $1K | 4.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | UNITED DENTAL CARE OF ARIZONA, INC | $1K | — | $1K | 82.82% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | UNION SECURITY DENTALCARE OF NEW JERSEY, INC | $377 | — | $377 | 34.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | UNION SECURITY DENTALCARE OF GEORGIA, INC. | $780 | — | $780 | 127.04% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | UDC DENTAL OF CALIFORNIA, INC | $45 | — | $45 | 9.93% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | UDC OF OHIO, INC | $374 | — | $374 | 185.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | DENTICARE OF ALABAMA, INC. | $1K | — | $1K | 559.41% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $11 | — | $11 | 100.00% |
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 | 1,771 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 71 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,842 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 4,001 | $17.3M |
| Dental(10 contracts, 10 carriers) | DELTA DENTAL OF ILLINOIS | 1,192 | $1.1M |
| Vision | VISION SERVICE PLAN | 1,229 | $214K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 4,001 | $17.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,001 | — |
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."
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.