| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | $217K | — | $217K | 8.56% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 0.67% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123402 DALLAS, TX 75312 | VISION SERVICE PLAN | $18K | — | $18K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE, SUITE 600 CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $204 | $204 | 0.10% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $9K | — | $9K | 30.00% |
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 | 3,601 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,642 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 20 | $197K |
| Vision | VISION SERVICE PLAN | 2,484 | $362K |
| Life insurance | STANDARD INSURANCE COMPANY | 4,695 | $2.5M |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,695 | $2.5M |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 20 | $197K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 4,695 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,695 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.