| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | BLUECROSS BLUESHIELD OF ILLINOIS | $79K | $14K | $93K | 0.64% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET STE 900 KANSAS CITY, MO 641121906 | HM LIFE INSURANCE COMPANY | $116K | — | $116K | 15.00% |
| GROUP BENEFITS LTD3 | 416 MAINE ST 432 PEORIA, IL 616021141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 8.00% |
| GROUP BENEFITS LTD3 | 416 MAIN ST 432 PEORIA, IL 616021141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 8.00% |
| FRANKLIN BENEFIT SOLUTIONS3 | 2444 E HILL ROAD GRAND BLANC, MI 48439 | MCLAREN HEALTH PLAN | $4K | — | $4K | 1.95% |
| MICHAEL SPLEET3 | 2444 EAST HILL RD GRAND BLANC, MI 48439 | PRIORITY HEALTH | $4K | — | $4K | 2.96% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 843844 KANSAS CITY, MO 641843844 | VISION SERVICE PLAN | $5K | — | $5K | 5.00% |
| MICHAEL SPLEET3 | FRANKLIN BENEFIT SOLUTIONS 2444 E HILL RD GRAND BLANC, MI 48439 | KANSAS CITY LIFE INSURANCE COMPANY | $4K | — | $4K | 11.63% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.42% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH & BENEFIT SYSTEMS INC | 6363 COLLEGE BLVD STE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.42% |
| THE CASON GROUP INC Filed as: CASON HUFF & SCHLUETER INC | 331 S 36TH ST PO BOX 3625 QUINCY, IL 62301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $576 | — | $576 | 14.99% |
| FRANKLIN BENEFIT SOLUTIONS3 | 2444 E HILL RD STE A GRAND BLANC, MI 484395098 | VISION SERVICE PLAN | $362 | — | $362 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Contract Administrator Service code 13 | — | $20K |
| MEDTRAK SERVICES LLC EIN 36-4221427 NONE | Claims processing Service code 12 | 7101 COLLEGE BLVD STE1000 OVERLAND PARK, KS 66210 | $7K |
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 | 1,566 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,570 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 3,587 | $14.8M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 3,587 | $14.5M |
| Vision(2 contracts) | VISION SERVICE PLAN | 791 | $102K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,727 | $311K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 48 | $31K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,684 | $288K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 3,587 | $15.3M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,727 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,587 | — |
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.