| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE, SUITE 3400 CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF ILLINOIS | $55K | $3K | $58K | 1.87% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DR. CHICAGO, IL 60693 | KAISER FOUNDATION HEALTH PLAN INC | $21K | — | $21K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS LLC | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | $0 | $6K | $6K | 2.25% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DR CHICAGO, IL 60693 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 4.53% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DR. CHICAGO, IL 60693 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 4.41% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DR CHICAGO, IL 60693 | KAISER FOUNDATION HEALTH PLAN INC | $171 | — | $171 | 5.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER RISK MGMT SVS | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | FEDERAL INSURANCE COMPANY | $616 | — | $616 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Contract Administrator; Claims processing Service code 12 | — | $260K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Recordkeeping and information management (computing, tabulating, data processing, etc.); Investment management Service code 15 | — | $68K |
| PLANTE & MORAN PLLC EIN 38-1357951 NONE | Accounting (including auditing) Service code 10 | — | $17K |
| DISCOVERY BENEFITS EIN 90-0058554 NONE | Claims processing; Contract Administrator Service code 12 | — | $11K |
| HARTFORD LIFE & ACCIDENT EIN 06-0838648 NONE | Contract Administrator; Claims processing Service code 12 | — | $11K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 NONE | Actuarial Service code 11 | — | $8K |
| SELECTQUOTE, INC EIN 94-3339273 NONE | Insurance agents and brokers Service code 22 | — | $5K |
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 | 570 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 745 | $3.7M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 745 | $3.1M |
| Vision | VISION SERVICE PLAN | 218 | $33K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 367 | $253K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 367 | $253K |
| Prescription drug(5 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 745 | $3.7M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 745 | $3.1M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 367 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 745 | — |
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.