| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - CH | C/O BANK OF AMERICA 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $58K | — | $58K | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W 47TH ST, SUITE 900 KANSAS CITY, MO 64112 | STARR INDEMNITY & LIABILITY COMPANY | $12K | — | $12K | 20.00% |
| LOCKTON COMPANIES, LLC3 | 500 W MONROE ST. STE 3400 CHICAGO, IL 60661 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $4K | — | $4K | 9.99% |
| ZS ASSOCIATES INTERNATIONAL3 | 1560 SHERMAN AVE, STE 800 EVANSTON, IL 60201 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $3K | $3K | 5.85% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - MOUNTAIN WEST | DEPT 999228 PO BOX 173850 DENVER, CO 80217 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $433 | $433 | 1.01% |
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 | 2,265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 41 | $500K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 41 | $500K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 41 | $500K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,334 | $952K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,334 | $952K |
| Other(5 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 9,000 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,000 | — |
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."
No prospect flags tripped on this filing.