| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUMM INSURANCE LLC3 Filed as: STUMM INS LLC | 9400 WEST HIGGINS ROAD ST 310 ROSEMONT, IL 60018 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | $4K | $33K | 13.53% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MA 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 4.95% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DR CHICAGO, IL 606930159 | VISION SERVICE PLAN | $13K | — | $13K | 5.42% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA 15939 COLLECTIONS CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $491 | $22K | 20.46% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLSTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $10K | $10K | 9.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA 15939 COLLECTIONS CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $339 | $18K | 20.39% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLSTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $8K | $8K | 9.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA 15939 COLLECTIONS CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $348 | $16K | 20.44% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLSTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 8.00% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CTR DRIVE 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 | 2,482 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS CO. | 0 | $2K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 261 | $247K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,027 | $493K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 261 | $247K |
| Short-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 455 | $440K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 282 | $326K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,027 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.