| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DR. CHICAGO, IL 60693 | BLUECROSS BLUESHIELD OF ILLINOIS | $67K | — | $67K | 1.71% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUECROSS BLUESHIELD OF ILLINOIS | $39K | — | $39K | 1.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | BLUECROSS BLUESHIELD OF ILLINOIS | $36K | $2K | $38K | 0.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.25% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DR. CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $823 | — | $823 | 0.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $149 | — | $149 | 0.07% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DR CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.52% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $261 | — | $261 | 0.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MAIDSON AVE 21ST FLOOR NEWYORK, NY 10173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.83% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $284 | — | $284 | 0.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.94% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DR. CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $262 | — | $262 | 0.56% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DR. CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.17% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 6000 FELDWOOD RD BOX 741732 COLLEGE PARK, GA 30349 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 5.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $610 | — | $610 | 2.16% |
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 | 330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 627 | $3.9M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 272 | $213K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 559 | $28K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 324 | $87K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 324 | $47K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 324 | $87K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 627 | $3.9M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 324 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 627 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.