| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 641843844 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | — | $10K | 3.71% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | P.O. BOX 80159 INDIANAPOLIS, IN 46280 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 1.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.40% |
| ONB INSURANCE GROUP INC.3 | P.O. BOX 80159 INDIANAPOLIS, IN 46280 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $831 | — | $831 | 1.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 500 WEST MONROE SUITE 3400 CHICAGO, IL 60661 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.61% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | 600 EAST 96TH STREET SUITE 400 INDIANAPOLIS, IN 46240 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.63% |
| ONB INSURANCE GROUP INC.3 | P.O. BOX 80159 INDIANAPOLIS, IN 46280 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $959 | — | $959 | 3.37% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 3430 CARMEL, IN 46082 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | $5K | $34K | 136.91% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $467 | — | $467 | 8.83% |
| ONB INSURANCE GROUP INC.3 | P.O. BOX 80159 INDIANAPOLIS, IN 46280 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $221 | — | $221 | 4.18% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $196 | — | $196 | 6.64% |
| ONB INSURANCE GROUP INC.5 | P.O. BOX 80159 INDIANAPOLIS, IN 46280 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $99 | — | $99 | 3.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | AETNA INTERNATIONAL | $45 | — | $45 | 4.50% |
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 | 328 | 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) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 735 | $4.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 311 | $263K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 635 | $36K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 328 | $94K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $28K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 735 | $4.8M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 328 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 735 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.