| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $5K | $5K | 0.15% |
| SETH KALKSTEIN3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $47K | $16K | $63K | 4.92% |
| KEVIN M. OLSON3 | 1901 BUTTERFIELD ROAD, SUITE 300 DOWNERS GROVE, IL 60515 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $61K | $0 | $61K | 4.73% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E. PAUL AMATA | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $44K | $0 | $44K | 3.44% |
| 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 | 9.95% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 10.00% |
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 | 1,970 | 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) | 1,970 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 645 | $3.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 213 | $66K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 2,060 | $126K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,970 | $1.3M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,970 | $1.3M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,970 | $1.3M |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 645 | $3.2M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,970 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,060 | — |
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.