| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $9K | $9K | 1.82% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $5K | — | $5K | 2.70% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $5K | — | $5K | 2.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C O BANK OF AMERICA 15939 COLLECTION CENTER DRIVE CHICAGO, IL 606930159 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $4K | $9K | 4.68% |
| AON CONSULTING INC3 | 259 N RADNOR CHESTER ROAD SUITE 106 RADNOR, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 0.86% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C O BANK OF AMERICA 15939 COLLECTION CENTER DRIVE CHICAGO, IL 606930159 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $1K | $13K | 13.06% |
| AON CONSULTING INC3 | PO BOX 7505 FORT WASHINGTON, PA 19034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 6.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C O BANK OF AMERICA 15939 COLLECTION CENTER DRIVE CHICAGO, IL 606930159 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $458 | $8K | 11.92% |
| AON CONSULTING INC3 | PO BOX 7505 FORT WASHINGTON, PA 19034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 6.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C O BANK OF AMERICA 15939 COLLECTION CENTER DRIVE CHICAGO, IL 606930159 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $431 | $7K | 12.56% |
| AON CONSULTING INC3 | PO BOX 7505 FORT WASHINGTON, PA 19034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.40% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $911 | $911 | 1.87% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $1K | $36 | $1K | 6.91% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITY PLACE DRIVE SUITE 900 ST. LOUIS, MO 63141 | METLIFE LEGAL PLANS | $809 | — | $809 | 4.70% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - MOUNTAIN WEST | DEPT 999228 PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | — | $179 | $179 | 1.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | — | $82 | $82 | 0.48% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606016420 | METLIFE LEGAL PLANS | — | $12 | $12 | 0.07% |
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 | 1,454 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,387 | $187K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,014 | $488K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,354 | $183K |
| Other(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,033 | $318K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,033 | — |
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.