| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | UNITEDHEALTHCARE INSURANCE COMPANY | $669K | $0 | $669K | 12.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVENUE, 3RD FLOOR NEW YORK, NY 10177 | UNITEDHEALTHCARE INSURANCE COMPANY | $46K | $0 | $46K | 0.83% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $79K | $79K | 2.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 MADISON AVENUE NEW YORK, NY 10177 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $38K | $0 | $38K | 1.06% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $29K | $0 | $29K | 0.79% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $4K | $4K | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 MADISON AVENUE, 28TH FLOOR NEW YORK, NY 10177 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $4K | $4K | 0.12% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | EXCELLUS BLUE CROSS BLUE SHIELD | $84K | $0 | $84K | 2.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTRE BOULEVARD SUITE 100 ROCHESTER, NY 14618 | EXCELLUS BLUE CROSS BLUE SHIELD | $16K | $0 | $16K | 0.49% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK, INC. | $23K | $0 | $23K | 1.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK, INC. | $12K | $0 | $12K | 0.83% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METLIFE LEGAL PLANS | $20K | $0 | $20K | 7.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $10K | $0 | $10K | 3.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METLIFE LEGAL PLANS | $0 | $233 | $233 | 0.09% |
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 | 9,170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 95 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 364 | $10.5M |
| Dental(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 8,410 | $9.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 8,410 | $5.5M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,940 | $3.6M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,940 | $3.6M |
| Prescription drug(4 contracts, 4 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 364 | $10.5M |
| Other(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 9,170 | $9.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,170 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.