| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITY PLACE DRIVE #900 ST LOUIS, MO 63141 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $9K | $9K | 0.11% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 800 MAIN ST DUBUQUE, IA 52001 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $3 | $3 | 0.00% |
| BEELMAN TRUCK CO0 Filed as: BEELMAN TRUCK CO. | ONE RACEHORSE DRIVE EAST ST. LOUIS, IL 62205 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $2 | $2 | 0.00% |
| LOCKTON COMPANIES, LLC7 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $15K | $15K | 2.19% |
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 | 936 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 939 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,776 | $8.3M |
| Vision | EYEMED VISION CARE | 1,643 | $64K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 833 | $671K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 833 | $671K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 833 | $671K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 833 | $671K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,776 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.