| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE., STE 1200 DALLAS, TX 75201 | BLUE CROSS BLUE SHIELD OF ILLINOIS A DIV OF HEALTH CARE SERVICE CORP | $49K | $75K | $124K | 1.15% |
| DELTA DENTAL3 | 100 FIRST STREET SAN FRANCISCO, CA 94105 | DELTA DENTAL | — | $85K | $85K | 7.23% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE DALLAS, TX 75201 | DELTA DENTAL | $15K | — | $15K | 1.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3280 PEACHTREE RD NE#800 ATLANTA, GA 30305 | GRANULAR INSURANCE COMPANY | $101K | $0 | $101K | 10.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $93K | $16K | $110K | 14.76% |
| VISION SERVICE PLAN3 | 3333 QUALITY DR RANCHO CORDOVA, CA 95670 | VISION SERVICE PLAN | — | $26K | $26K | 15.91% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $8K | — | $8K | 5.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $3K | $18K | 13.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER RISK MNGMT SVCS | 1300 S MAIN TULSA, OK 74119 | HARTFORD FIRE INSURANCE | -$48 | — | -$48 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LINCOLN NATIONAL LIFE INSURANCE CO EIN 35-0472300 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 100 LIBERT WAY, STE100 DOVER, NH 03820 | $51K |
| WEX HEALTH FLEX EIN 06-1593514 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 82 HOPE MEADOWS STREET SUITE 200 SIMSBURY, CT 06089 | $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 | 1,298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS A DIV OF HEALTH CARE SERVICE CORP | 3,016 | $10.8M |
| Dental | DELTA DENTAL | 1,203 | $1.2M |
| Vision | VISION SERVICE PLAN | 1,161 | $162K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,298 | $742K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,266 | $138K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 3,016 | $958K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,298 | $742K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,016 | — |
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.