| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD JACKSON, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | $79K | — | $79K | 2.44% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE, SUITE 3400 CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF ILLINOIS | $25K | $4K | $28K | 0.88% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE, SUITE 3400 CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $21K | $21K | 0.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 606044466 | KAISER FOUNDATION HEALTH PLAN INC | $14K | — | $14K | 3.87% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DR. CHICAGO, IL 60693 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 1.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS LLC | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 2.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 12TH FL CHICAGO, IL 606044466 | HUMANA HEALTH PLAN OF TEXAS, INC. | $9K | — | $9K | 3.53% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CTR DR CHICAGO, IL 606930159 | HUMANA HEALTH PLAN OF TEXAS, INC. | $4K | — | $4K | 1.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 606044466 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 3.42% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DR CHICAGO, IL 60693 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 1.58% |
| 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 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Claims processing; Contract Administrator Service code 12 | — | $260K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Investment management; Trustee (bank, trust company, or similar financial institution); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $67K |
| PLANTE & MORAN PLLC EIN 38-1357951 NONE | Accounting (including auditing) Service code 10 | — | $17K |
| DISCOVERY BENEFITS EIN 90-0058554 NONE | Contract Administrator; Claims processing Service code 12 | — | $12K |
| HARTFORD LIFE & ACCIDENT EIN 06-0838648 NONE | Claims processing; Contract Administrator 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)(5 contracts, 4 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 764 | $4.0M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 764 | $3.3M |
| Vision | VISION SERVICE PLAN | 247 | $35K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 382 | $285K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 382 | $285K |
| Prescription drug(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 764 | $3.7M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 764 | $3.2M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 382 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 764 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.