| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $11K | — | $11K | 5.30% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 20.00% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY SUITE 600 CHARLSTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 9.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 20.00% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY SUITE 600 CHARLSTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 9.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CTR DR CHICAGO, IA 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 20.00% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY SUITE 600 CHARLSTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 8.00% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CTR DR CHICAGO, IL 60693 | FOUR EVER LIFE INS CO. | $229 | — | $229 | 15.02% |
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 | 2,200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS CO. | 0 | $2K |
| Vision | VISION SERVICE PLAN | 2,069 | $205K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,052 | $48K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,240 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,240 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.