| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $5K | $5K | 0.06% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $129 | $129 | 0.02% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.55% |
| AON CONSULTING INC3 Filed as: AON | 3 RAVINIA DRIVE ATLANTA, GA 30346 | PROTECTIVE LIFE INSURANCE COMPANY | $22K | $0 | $22K | 12.02% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CTR DRIVE CHICAGO, IL 60693 | METLIFE LEGAL PLANS | $2K | $209 | $2K | 12.19% |
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 | 429 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 982 | $7.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 857 | $548K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 919 | $72K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 488 | $485K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 488 | $301K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 982 | $7.5M |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 488 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 982 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.