| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CENTER DR CHICAGO, IL 606930159 | METROPOLITAN LIFE INSURANCE COMPANY | $128K | $95 | $129K | 2.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $74K | $74K | 1.16% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY EMPLOYER INS SERVICES INC | 200 SEAPORT BLVD # V2B BOSTON, MA 022102031 | METROPOLITAN LIFE INSURANCE COMPANY | $65K | $856 | $66K | 1.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | P.O. BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | -$8K | $16K | $8K | 0.13% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY EMPLOYER INS SERVICES INC | 200 SEAPORT BLVD ZW10B BOSTON, MA 02210 | VISION SERVICE PLAN | $29K | — | $29K | 1.71% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CENTER DR CHICAGO, IL 606930159 | VISION SERVICE PLAN | $28K | — | $28K | 1.64% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CENTER DR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $2K | $26K | 7.48% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: BENEFIT SERVICES GROUP INC | PO BOX 6762 CAROL STREAM, IL 60197 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $44 | $18K | 5.22% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY EMPLOYER INSURANCE SERVICE | 200 SEAPORT BLVD #V2B BOSTON, MA 02210 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $857 | $14K | 3.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $1K | $4K | 1.05% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: BENEFIT SERVICES GROUP INC | PO BOX 6762 CAROL STREAM, IL 60197 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $44 | $29K | 9.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CENTER DR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $2K | $25K | 7.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $1K | $15K | 4.65% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 111 E KILBOURN AVE STE 825 MILWAUKEE, WI 53202 | HYATT LEGAL PLANS | $2K | — | $2K | 4.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 10087 | HYATT LEGAL PLANS | $1K | $75 | $2K | 3.10% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY EMPLOYER INS SERVICES INC. | 200 SEAPORT BLVD ZW10B BOSTON, MA 02210 | HYATT LEGAL PLANS | $1K | — | $1K | 2.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | 1 UPPER POND RD BLDG F PARSIPPANY, NJ 07054 | HYATT LEGAL PLANS | $486 | — | $486 | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES MI INC. | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | HYATT LEGAL PLANS | $0 | $75 | $75 | 0.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CENTER DR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $174 | $105 | $279 | 2.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 30150 TELEGRAPH RD STE 408 ATTN TRACEY BESOLA BINGHAM FARMS, MI 48025 | METROPOLITAN LIFE INSURANCE COMPANY | $174 | — | $174 | 1.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSIONS LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $156 | — | $156 | 1.50% |
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 | 8,838 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,068 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 184 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,090 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,284 | $670K |
| Vision | VISION SERVICE PLAN | 6,334 | $1.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 14,623 | $6.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 14,623 | $6.4M |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,623 | $6.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,623 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.