| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | — | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $2K | $2K | 0.07% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $712 | $712 | 1.74% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $694 | $694 | 1.73% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $661 | $661 | 1.70% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 500 WEST MONROE ST, STE 3400 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN DBA ASSURANCE | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $152 | $152 | 1.61% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 500 WEST MONROE ST, STE 3400 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN DBA ASSURANCE | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $643 | $0 | $643 | 8.10% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 272 | $2.6M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 272 | $2.6M |
| Vision | EYEMED VISION CARE | 240 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 125 | $39K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 125 | $41K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 125 | $40K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 272 | $2.6M |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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."
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.