| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 500 WEST MONROE, SUITE 3400 CHICAGO, IL 60661 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $0 | $12 | $12 | 0.06% |
| BEACON PATH, INC.3 Filed as: BEACON RETIREE BENEFITS GROUP, INC. | 710 MAIN ST., SUITE #10 PLANTSVILLE, CT 06479 | HARTFORD LIFE & INSURANCE COMPANY | $11K | $0 | $11K | — |
| BEACON PATH, INC.3 Filed as: BEACON RETIREE BENEFITS GROUP, INC. | 710 MAIN STREET, SUITE 10 PLANSVILLE, CT 06479 | EXPRESS SCRIPTS | $4K | $0 | $4K | — |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 107 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED AMERICAN INSURANCE COMPANY | 61 | $74K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 59 | $20K |
| Other(2 contracts, 2 carriers) | UNITED AMERICAN INSURANCE COMPANY | 61 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 61 | — |
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.