| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W. MONROE ST., STE. 3400 CHICAGO, IL 606613778 | HEALTH CARE SERVICE CORPORATION | $55K | $2K | $57K | 2.36% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | HEALTH CARE SERVICE CORPORATION | $27K | $3 | $27K | 1.13% |
| SMITHAMUNDSEN LLC0 | 150 N. MICHIGAN AVE., STE. 3300 CHICAGO, IL 60601 | HEALTH CARE SERVICE CORPORATION | — | $15 | $15 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W. MONROE ST., STE. 3400 CHICAGO, IL 606613778 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | 4.80% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.26% |
| STEPHEN R. TODD3 Filed as: STEPHEN TODD | 112 S. BLOOMINGDALE BLOOMINGDALE, IL 60108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 525 W. MONROE ST., STE. 600 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $100 | $1K | 1.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 525 W. MONROE ST., STE. 600 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $165 | $3K | 15.75% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 525 W. MONROE ST., STE. 600 CHICAGO, IL 60661 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $524 | — | $524 | 3.72% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $178 | — | $178 | 1.26% |
| STEPHEN R. TODD3 Filed as: STEPHEN TODD | 112 S. BLOOMINGDALE BLOOMINGDALE, IL 60108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $324 | — | $324 | 15.00% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 387 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 511 | $132K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 183 | $14K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $147K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $125K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 387 | $2.4M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 511 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.