| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 1111 BRICKELL AVE., STE. 2700 MIAMI, FL 33131 | STANDARD INSURANCE COMPANY | $80K | — | $80K | 3.60% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | STANDARD INSURANCE COMPANY | $42K | — | $42K | 1.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 1111 BRICKELL AVE., STE. 2700 MIAMI, FL 33131 | STANDARD INSURANCE COMPANY | $44K | — | $44K | 4.04% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 1.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 15939 COLLECTION CENTER DR. CHICAGO, IL 60693 | VISION SERVICE PLAN | $25K | — | $25K | 4.27% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | VISION SERVICE PLAN | $15K | — | $15K | 2.47% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3 CITYPLACE DR., STE. 900 SAINT LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $3K | $21K | 7.61% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3 CITYPLACE DR., STE. 900 SAINT LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $9K | 7.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 THIRD PARTY ADMINISTRATO | Contract Administrator; Claims processing Service code 12 | — | $2.6M |
| LOCKTON COMPANIES BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 3 CITYPLACE DR., STE. 900 SAINT LOUIS, MO 631417088 | $310K |
| METROPOLITAN LIFE INSURANCE COMPANY THIRD PARTY ADMINISTRATO | Contract Administrator; Claims processing Service code 12 | 501 US HWY. 22, 2ND FL. WEST BRIDGEWATER, NJ 08807 | $215K |
| HILB GROUP OF NEW ENGLAND BROKER | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | $53K |
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 | 7,498 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,520 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 4,894 | $588K |
| Life insurance | STANDARD INSURANCE COMPANY | 7,498 | $2.2M |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,856 | $1.1M |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 7,498 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,498 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.