| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 ST. LOUIS, MO 63150 | BLUECROSS BLUESHIELD OF ILLINOIS | $59K | $2K | $61K | 4.06% |
| E BROKER QUOTE LLC3 Filed as: E BROKER QUOTE, LLC | 10275 W HIGGINS RD ROSEMONT, IL 60018 | BLUECROSS BLUESHIELD OF ILLINOIS | $6K | — | $6K | 0.39% |
| FLEXIBLE BENEFIT SERVICE CORP3 Filed as: FLEXIBLE BENEFIT SERVICE, LLC | 8770 W BRYN MAWR AVENUE, SUITE 1290W CHICAGO, IL 60631 | BLUECROSS BLUESHIELD OF ILLINOIS | $3K | — | $3K | 0.22% |
| LOCKTON COMPANIES, LLC3 | 13710 FNB PKWY, SUITE 400 OMAHA, NE 68154 | DELTA DENTAL OF ILLINOIS | $7K | — | $7K | 6.74% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $9K | 11.35% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $246 | $2K | 17.00% |
| KAY A SELBY3 | 88 W. SCHILLER, SUITE 401 CHICAGO, IL 60610 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $287 | — | $287 | 10.55% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $99 | $6 | $105 | 3.86% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 198 | $1.5M |
| Dental | DELTA DENTAL OF ILLINOIS | 113 | $98K |
| Vision | DELTA DENTAL OF ILLINOIS | 113 | $98K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $94K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $81K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $81K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.