| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 ST. LOUIS, MO 63150 | BLUECROSS BLUESHIELD OF ILLINOIS | $54K | $3K | $57K | 4.06% |
| E BROKER QUOTE LLC3 Filed as: E BROKER QUOTE, LLC | 10275 W HIGGINS RD ROSEMONT, IL 60018 | BLUECROSS BLUESHIELD OF ILLINOIS | $600 | — | $600 | 0.04% |
| LOCKTON COMPANIES, LLC3 | 13710 FNB PKWY, SUITE 400 OMAHA, NE 68154 | DELTA DENTAL OF ILLINOIS | $6K | — | $6K | 4.20% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $4K | $14K | 14.27% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 16.93% |
| LOCKTON COMPANIES, LLC3 | 13710 FNB PKWY, SUITE 400 OMAHA, NE 68154 | PROTEC INSURANCE COMPANY | $1K | — | $1K | 8.42% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $226 | $2K | 19.73% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $544 | $67 | $611 | 12.31% |
| SELBY, KAY, A3 | 88 W. SCHILLER, SUITE 401 CHICAGO, IL 60610 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $563 | — | $563 | 11.34% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 219 | $1.4M |
| Dental | DELTA DENTAL OF ILLINOIS | 132 | $142K |
| Vision | PROTEC INSURANCE COMPANY | 123 | $14K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $106K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $96K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $96K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.