| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 500 W. MONROE STREET SUITE 3400 CHICAGO, IL 60661 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | $996 | $29K | 6.94% |
| STUMM INSURANCE LLC3 Filed as: STUMM INS LLC | 9400 WEST HIGGINS ROAD ST 310 ROSEMONT, IL 60018 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $7K | $26K | 6.30% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 1.87% |
| 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 | $14K | $4K | $18K | 6.37% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $18K | $18K | 6.28% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DR CHICAGO, IL 606930159 | VISION SERVICE PLAN | $13K | — | $13K | 4.98% |
| 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 | $11K | $3K | $14K | 6.14% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $13K | $13K | 5.89% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (ST LOUIS) | C/O BANK OF AMERICA 15939 COLLECTIONS CTR DR CHICAGO, IL 606930159 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | — | $21K | 18.13% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $9K | $9K | 8.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (ST LOUIS) | C/O BANK OF AMERICA 15939 COLLECTIONS CTR DR CHICAGO, IL 606930159 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 18.10% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $7K | $7K | 8.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (ST LOUIS | C/O BANK OF AMERICA 15939 COLLECTIONS CTR DR CHICAGO, IL 606930159 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 18.11% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $6K | $6K | 7.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 6.32% |
| 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 | $3K | $377 | $3K | 5.71% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA 15939 COLLECTIONS CTR DR CHICAGO, IL 60693 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $598 | $35 | $633 | 10.59% |
| 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 | 2,638 | 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) | 2,663 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS CO. | 150 | $2K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 312 | $419K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,111 | $676K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,333 | $709K |
| Short-term disability(5 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,333 | $674K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,125 | $644K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 314 | $498K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,333 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.