| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | BLUECROSS AND BLUESHIELD OF ILLINOIS | $0 | $4K | $4K | 0.11% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | BLUECROSS AND BLUESHIELD OF ILLINOIS | $0 | $432 | $432 | 0.01% |
| SETH KALKSTEIN3 Filed as: SETH J. KALKSTEIN | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $25K | $20K | $45K | 3.31% |
| KEVIN M. OLSON3 | 1901 BUTTERFIELD ROAD, SUITE 300 DOWNERS GROVE, IL 60515 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $33K | $0 | $33K | 2.46% |
| PAUL AMATA3 Filed as: PAUL E. AMATA | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $25K | $0 | $25K | 1.85% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $13K | $0 | $13K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $189 | $3K | 10.57% |
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 | 2,249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS AND BLUESHIELD OF ILLINOIS | 462 | $3.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $33K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 2,481 | $135K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,095 | $1.3M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,095 | $1.3M |
| Prescription drug | BLUECROSS AND BLUESHIELD OF ILLINOIS | 462 | $3.1M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,095 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,481 | — |
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.