| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE., STE 1200 DALLAS, TX 752017943 | BLUE CROSS BLUE SHIELD OF ILLINOIS A DIVISION OF HEALTH CARE SERV CORP | $52K | $0 | $52K | 0.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3280 PEACHTREE RD N E SUITE 800 KANSAS CITY, MO 64112 | GRANULAR INSURANCE COMPANY | $101K | $0 | $101K | 10.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123402 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $85K | $22K | $107K | 14.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123402 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $4K | $18K | 13.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER RISK MNGMT SVCS | 1300 S MAIN TULSA, OK 74119 | HARTFORD FIRE INSURANCE | $828 | $0 | $828 | 6.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL EIN 23-7322578 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 100 FIRST STREET SAN FRANISCO, CA 94105 | $92K |
| LINCOLN NATIONAL INSURANCE COMPANY EIN 35-0472300 | Contract Administrator Service code 13 | PO BOX 123042 DALLAS, TX 75312 | $58K |
| WEX HEALTH FLEX EIN 06-1593514 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 82 HOPE MEADOWS STREET SUITE 220 SIMSBURY, CT 06089 | $30K |
| VISION SERVICE PLAN EIN 06-1227840 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 123042 DALLAS, TX 75312 | $20K |
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 | 1,287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS A DIVISION OF HEALTH CARE SERV CORP | 3,124 | $9.5M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,287 | $732K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,266 | $140K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 3,124 | $958K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,287 | $746K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,124 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.