| 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 | $101K | $25K | $126K | 0.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | TOKIO MARINE HCC LIFE INSURANCE COMPANY | $152K | $77K | $230K | 13.55% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD | 416 MAIN ST SUITE 432 PEORIA, IL 616021141 | HARTFORD LIFE AND ACCIDENT | $45K | — | $45K | 5.00% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 641843844 | VISION SERVICE PLAN | $9K | — | $9K | 4.77% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 331 S 36TH ST PO BOX 3625 QUINCY, IL 62301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 331 S 36TH ST PO BOX 3625 QUINCY, IL 62301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 100.00% |
| 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 | $266 | — | $266 | 2.06% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BLVD STE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $266 | — | $266 | 2.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ELIXIR EIN 90-1011712 NONE | Claims processing Service code 12 | — | $4.6M |
| MERITAIN HEALTH EIN 16-1264154 NONE | Contract Administrator Service code 13 | — | $33K |
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 | 2,310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 3,773 | $23.0M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 3,773 | $23.0M |
| Vision | VISION SERVICE PLAN | 1,436 | $189K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,215 | $894K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,215 | $894K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,215 | $894K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 3,773 | $24.7M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 444 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,773 | — |
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.