| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 606613778 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 1.95% |
| JAMES UNLAND & COMPANY, INC3 Filed as: JAMES UNLAND & COMPANY | 2211 BROADWAY ST PEKIN, IL 615543945 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.49% |
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE STREET, SUITE 600 CHICAGO, IL 60661 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $10K | $27K | 7.87% |
| JAMES UNLAND & COMPANY, INC3 Filed as: JAMES UNLAND & COMPANY | P.O. BOX 879 PEKIN, IL 61554 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 1.86% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DR CHICAGO, IL 606930159 | VISION SERVICE PLAN | $1K | — | $1K | 4.44% |
| JAMES UNLAND & COMPANY, INC3 Filed as: JAMES UNLAND & CO, INC | 2211 BROADWAY ST PEKIN, IL 615543945 | VISION SERVICE PLAN | $69 | — | $69 | 0.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $152K |
| JAMES UNLAND & COMPANY, INC. EIN 37-0923342 BROKER | Other commissions Service code 55 | 2211 BROADWAY ST. PEKIN, IL 615543945 | $0 |
| LOCKTON COMPANIES, LLC EIN 20-3354970 BROKER | Other commissions Service code 55 | 500 W MONROE ST. SUITE 3400 CHICAGO, IL 606613778 | $0 |
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 | 414 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 389 | $337K |
| Vision | VISION SERVICE PLAN | 271 | $24K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 389 | $337K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 389 | $337K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 389 | $337K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 766 | $405K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 389 | $337K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 766 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.