| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | DELTA DENTAL OF ILLINOIS | $11K | — | $11K | 4.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF ILLINOIS | $2K | — | $2K | 0.78% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF ILLINOIS | $134K | — | $134K | 69.39% |
| MERCER HEALTH AND BENEFITS, LLC3 | P.O. BOX 730182 DALLAS, TX 75373 | BLUECROSS BLUESHIELD OF ILLINOIS | $25K | $12K | $37K | 19.28% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 173850 DENVER, CO 80217 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 7.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | P.O. BOX 730182 DALLAS, TX 75373 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $2K | $5K | 5.11% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | EYEMED VISION CARE | $1K | — | $1K | 3.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE | $387 | — | $387 | 1.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF ILLINOIS EIN 36-1236610 MEDICAL ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $252K |
| DISCOVERY BENEFITS EIN 90-0058554 FSA ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $9K |
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 | 527 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 478 | $257K |
| Vision | EYEMED VISION CARE | 822 | $34K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 505 | $101K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 505 | $101K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 505 | $101K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 820 | $193K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 505 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 822 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.