| 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 | $40K | — | $40K | 0.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N UPPER WACKER DRIVE, STE 1500 CHICAGO, IL 60601 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $12K | $12K | 0.02% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $134K | $82K | $216K | 4.33% |
| PIPER, ROBYN L3 | 2300 WEST SAHARA, SUITE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $4K | $21K | 0.42% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $12K | $46K | 7.05% |
| PIPER, ROBYN L3 | 2300 WEST SAHARA, SUITE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $578 | $3K | 0.44% |
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 | 10,151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 64 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 14,773 | $72.7M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 14,773 | $72.7M |
| Vision | VISION SERVICE PLAN | 5,953 | $691K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,151 | $5.6M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,151 | $5.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,151 | $5.0M |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 14,773 | $72.7M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,142 | $650K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,773 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.