| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 10.19% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET FLOOR 6 SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $590 | $0 | $590 | 1.19% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 9.54% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS. SERVICES | 701 B STREET FLOOR 6 SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $327 | $0 | $327 | 1.52% |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 ST. LOUIS, MO 631505115 | VISION SERVICE PLAN | $769 | $0 | $769 | 4.37% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 606930159 | VISION SERVICE PLAN | $145 | $0 | $145 | 0.82% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET FLOOR 6 SAN DIEGO, CA 921018156 | VISION SERVICE PLAN | $53 | $0 | $53 | 0.30% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 348 | $124K |
| Vision | VISION SERVICE PLAN | 122 | $18K |
| Life insurance | STANDARD INSURANCE COMPANY | 186 | $21K |
| Long-term disability | STANDARD INSURANCE COMPANY | 186 | $50K |
| Other | STANDARD INSURANCE COMPANY | 186 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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.