| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 500 W. MONROE, SUITE 3400 CHICAGO, IL 60661 | EXCELLUS BLUECROSS BLUESHIELD | $90K | — | $90K | 2.77% |
| EMPLOYEE BENEFIT CONCEPTS INC.3 Filed as: EMPLOYEE BENEFIT CONCEPTS, INC. | 295 MAIN STREET, SUITE 200 BUFFALO, NY 14203 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $70K | — | $70K | 4.00% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 75312 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | — | $81K | $81K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 500 W. MONROE, SUITE 3400 CHICAGO, IL 60661 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $4K | $4K | 0.43% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 500 W. MONROE, SUITE 3400 CHICAGO, IL 60661 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $3K | $3K | 0.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 199 WATER STREET NEW YORK, NY 10038 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH | $28K | — | $28K | 15.00% |
| DICESARE AND ASSOCIATES3 Filed as: FJ DICESARE AGENCY, LLC | P.O. BOX 10818 ROCHESTER, NY 14610 | EXCELLUS BLUECROSS BLUESHIELD | $1K | — | $1K | 1.16% |
| LOCKTON COMPANIES, LLC3 | 500 W. MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | HYATT LEGAL PLANS | $7K | $52 | $7K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 500 W. MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | $8 | $1K | 15.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 ADMINISTRATOR | Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $2.3M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $131K |
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 | 3,677 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 156 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,833 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 4 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 645 | $10.7M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 686 | $398K |
| Vision(5 contracts) | EYEMED VISION CARE | 3,698 | $303K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,915 | $1.3M |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 3,048 | $866K |
| Prescription drug(7 contracts, 4 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 645 | $10.7M |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 2,574 | $1.6M |
| Other(7 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,048 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,048 | — |
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.
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.