| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC- CHICA | C/O BANK OF AMERICA 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $130K | $130K | 4.61% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC- CHICA | C/O BANK OF AMERICA 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $37K | $37K | 4.74% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC- CHICA | C/O BANK OF AMERICA 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $26K | $26K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC- CHICA | C/O BANK OF AMERICA 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $16K | $16K | 4.59% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC- CHICA | C/O BANK OF AMERICA 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $15K | $15K | 4.62% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC-CHICA | C/O BANK OF AMERICA 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC- CHICA | C/O BANK OF AMERICA 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC- CHICA | C/O BANK OF AMERICA 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 4.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC- CHICA | C/O BANK OF AMERICA 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $206 | $206 | 4.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC- CHICA | C/O BANK OF AMERICA 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $72 | $72 | 4.62% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC- CHICA | C/O BANK OF AMERICA 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $48 | $48 | 5.04% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC- CHICA | C/O BANK OF AMERICA 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | FIRST UNUM LIFE INSURANCE COMPANY | — | $36 | $36 | 4.60% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC- CHICA | C/O BANK OF AMERICA 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | FIRST UNUM LIFE INSURANCE COMPANY | — | $12 | $12 | 4.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC- CHICA | C/O BANK OF AMERICA 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | FIRST UNUM LIFE INSURANCE COMPANY | — | $7 | $7 | 4.58% |
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 | 12,926 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 287 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 12,394 | $307K |
| Vision | VISION SERVICE PLAN | 11,253 | $1.9M |
| Life insurance(5 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,670 | $4.6M |
| Short-term disability(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 671 | $342K |
| Long-term disability(7 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,670 | $4.8M |
| Other(10 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,670 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,394 | — |
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.