| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | BLUECROSS BLUESHIELD OF ILLINOIS | $114K | $2K | $117K | 3.57% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $3K | $16K | 9.42% |
| DAVID J MCCLELLAN3 Filed as: DAVID J. MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | DELTA DENTAL OF ILLINOIS | $7K | $0 | $7K | 5.00% |
| THE BOON INSURANCE AGENCY3 Filed as: BOON INSURANCE AGENCY, INC. | 6300 BRIDGEPOINT PARKWAY, SUITE 200 AUSTIN, TX 78730 | DELTA DENTAL OF ILLINOIS | $0 | $6K | $6K | 4.00% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | UNUM INSURANCE COMPANY | $2K | $283 | $2K | 11.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNUM INSURANCE COMPANY | $2K | $274 | $2K | 10.92% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $1K | $0 | $1K | 6.02% |
| LOCKTON COMPANIES, LLC4 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $413 | $0 | $413 | 17.01% |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 385 | $3.3M |
| Dental | DELTA DENTAL OF ILLINOIS | 191 | $149K |
| Vision | VISION SERVICE PLAN | 165 | $18K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 275 | $169K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 275 | $169K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 275 | $169K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 385 | $3.3M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 275 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.