| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET SUITE 3400 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $70 | $70 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 500 W MONROE ST. STE 3400 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $107K | $24K | $132K | 8.66% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 3295 N FORT APACHE RD. LAS VEGAS, NV 89129 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $0 | $26K | 1.71% |
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE STREET STE 3400 CHICAGO, IL 60661 | HEALTH PLAN OF NEVADA/SIERRA HEALTH LIFE | $28K | $0 | $28K | 2.09% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 3295 N FORT APACHE RD. STE 150 LAS VEGAS, NV 89129 | HEALTH PLAN OF NEVADA/SIERRA HEALTH LIFE | $8K | $0 | $8K | 0.61% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DR. CHICAGO, IL 60693 | KAISER FOUNDATION HEALTH PLAN, INC. | $0 | $9K | $9K | 0.99% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DR. CHICAGO, IL 60693 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $7K | $7K | 0.85% |
| LOCKTON COMPANIES, LLC3 | 500 W MONROE ST. STE 3400 CHICAGO, IL 60661 | UNUM INSURANCE COMPANY | $21K | $5K | $26K | 18.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W MONROE ST STE 3400 CHICAGO, IL 60661 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 35.25% |
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 | 4,754 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,793 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH LIFE | 304 | $3.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,797 | $3.0M |
| Vision(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH LIFE | 3,908 | $1.6M |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,670 | $1.6M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,670 | $1.5M |
| Prescription drug(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH LIFE | 304 | $2.2M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,670 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,670 | — |
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."
No prospect flags tripped on this filing.