| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 525 W. MONROE STREET, SUITE 600 CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF ILLINOIS | $122K | — | $122K | 2.98% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 N, CLARK STREET, SUITE 400 CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $5K | $5K | 0.11% |
| LOCKTON COMPANIES, LLC3 | 525 W. MONROE STREET, SUITE 600 CHICAGO, IL 60661 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $12K | $12K | 3.27% |
| LOCKTON COMPANIES, LLC3 | 525 W. MONROE STREET, SUITE 600 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 8.88% |
| LOCKTON COMPANIES, LLC3 | 525 W. MONROE STREET, SUITE 600 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $16K | 16.81% |
| MESIROW INSURANCE SERVICES INC3 | 353 N. CLARK STREET, SUITE 400 CHICAGO, IL 60654 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $491 | — | $491 | 2.03% |
| LOCKTON COMPANIES, LLC3 | 525 W. MONROE STREET, SUITE 600 CHICAGO, IL 60661 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $370 | — | $370 | 1.53% |
| LOCKTON COMPANIES, LLC3 | 525 W. MONROE STREET, SUITE 600 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $283 | $2K | 15.18% |
| MESIROW INSURANCE SERVICES INC3 | 353 N. CLARK STREET, SUITE 400 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $547 | — | $547 | 3.56% |
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 | 461 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 831 | $4.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 374 | $365K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 459 | $230K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 459 | $161K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 459 | $137K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 459 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 831 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.