| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF ILLINOIS | $52K | — | $52K | 16.33% |
| BENEFITDECISIONS.COM3 | 125 S WACKER DRIVE, SUITE 2075 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | $2K | — | $2K | 0.49% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | DELTA DENTAL OF ILLINOIS | $8K | — | $8K | 8.98% |
| BENEFITDECISIONS.COM3 | 125 S WACKER DR. 2075 CHICAGO, IL 60606 | DELTA DENTAL OF ILLINOIS | — | — | $0 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $15K | $105 | $15K | 20.14% |
| BENEFITDECISIONS.COM3 | 125 S WACKER DRIVE, SUITE 2075 CHICAGO, IL 60604 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
| DWIGHT L PIERCE3 Filed as: DWIGHT PIERCE | 7325 S. FULTON AVENUE TULSA, OK 74136 | TRUSTMARK INSURANCE COMPANY | $613 | — | $613 | 5.07% |
| BENEFITDECISIONS.COM3 | 21805 W FIELD PARKWAY - STE 300 DEERFIELD, IL 60010 | TRUSTMARK INSURANCE COMPANY | $353 | — | $353 | 2.92% |
| BENEFIT TECHNOLOGIES LLC3 | 1200 E TAFT AVE SAPULPA, OK 74066 | TRUSTMARK INSURANCE COMPANY | $210 | — | $210 | 1.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF ILLINOIS EIN 36-1236610 PPO | Direct payment from the plan; Claims processing Service code 12 | — | $143K |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 303 | $316K |
| Dental | DELTA DENTAL OF ILLINOIS | 149 | $93K |
| Vision | VISION SERVICE PLAN | 158 | $15K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 171 | $73K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 171 | $73K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 303 | $316K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 171 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.