| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/0 BANK OF AMERICA 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 0.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONL MIDWEST LIMITED | 55 E JACKSON BLVD CHICAGO, IL 60604 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.41% |
| LOCKTON COMPANIES, LLC3 | C/O BANK OF AMERICA 15939 COLLECTION CENTER DR CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 2.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 55 E JACKSON BLVD #14A RIVERSIDE, CA 92516 | RELIASTAR LIFE INSURANCE COMPANY | $17K | — | $17K | 11.03% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 ST LOUIS, MO 63141 | RELIASTAR LIFE INSURANCE COMPANY | $16K | — | $16K | 10.86% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 3.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO LLC (ST LOUIS SERIES) | C/O BANK OF AMERICA 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | ARAG INSURANCE COMPANY | $782 | — | $782 | 5.08% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | STARR INDEMNITY & LIABILITY COMPANY | — | $0 | $0 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD 14TH FLOOR CHICAGO, IL 60604 | STARR INDEMNITY & LIABILITY COMPANY | $0 | — | $0 | — |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,159 | $81K |
| Life insurance | STANDARD INSURANCE COMPANY | 856 | $378K |
| Long-term disability | STANDARD INSURANCE COMPANY | 855 | $240K |
| Prescription drug | EXPRESS SCRIPTS INC. | 1,262 | $2.6M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 856 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,262 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.