| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, IL 33027 | BLUECROSS BLUESHIELD OF ILLINOIS | $113K | $3 | $113K | 2.26% |
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY, INC. | 900 NORTH MICHIGAN AVENUE SUITE 1500 CHICAGO, IL 60611 | BLUECROSS BLUESHIELD OF ILLINOIS | $67K | $2K | $69K | 1.38% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 800 ATLANTA, GA 30305 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 7.28% |
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY, INC. | 900 NORTH MICHIGAN AVENUE SUITE 1500 CHICAGO, IL 60611 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 2.72% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.52% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $77 | $77 | 0.03% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $2K | $0 | $2K | 4.93% |
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY, INC. | 900 NORTH MICHIGAN AVENUE SUITE 1500 CHICAGO, IL 60611 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $2K | $0 | $2K | 4.79% |
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 | 500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 805 | $5.0M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 805 | $5.0M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 748 | $33K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 500 | $233K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 500 | $233K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 805 | $5.0M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 500 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 805 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.