| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF ILLINOIS | $28K | $0 | $28K | 2.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | UNKNOWN CHICAGO, IL 60612 | BLUECROSS BLUESHIELD OF ILLINOIS | $21K | $5K | $26K | 2.17% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.13% |
| KILPATRICK COMPANIES LLC3 Filed as: KILPATRICK COMPANIES, LLC | 1050 WILCREST DRIVE HOUSTON, TX 77042 | DEARBORN LIFE INSURANCE COMPANY | $0 | $826 | $826 | 2.73% |
| UNKNOWN3 | UNKNOWN CHICAGO, IL 60612 | WELLFLEET INSURANCE COMPANY | $1K | $0 | $1K | 8.34% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $507 | $0 | $507 | 5.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $357 | $0 | $357 | 4.17% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 142 | $1.2M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 142 | $1.2M |
| Vision | VISION SERVICE PLAN | 91 | $9K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 163 | $30K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 163 | $30K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 163 | $30K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 142 | $1.2M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 250 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.