| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2 EMBARCADERO CTR STE 600 SAN FRANCISCO, CA 94111 | UNITEDHEALTCARE INSURANCE COMPANY | — | $50K | $50K | 3.35% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | 800 MAIN ST DUBUQUE, IA 52001 | UNITEDHEALTCARE INSURANCE COMPANY | $5K | $30K | $35K | 2.35% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 60606 | UNITEDHEALTCARE INSURANCE COMPANY | — | $55 | $55 | 0.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | 800 MAIN ST DUBUQUE, IA 52001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $13K | 9.87% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CTR STE 609 SAN FRANCISCO, CA 94111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $180 | $8K | 6.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT LA 23940 PASADENA, CA 911853940 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $327 | $60 | $387 | 0.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.01% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | PO BOX 28 DUBUQUE, IA 52004 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 5.83% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 500 W MONROE STREET #3400 CHICAGO, IL 60661 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $982 | — | $982 | 4.11% |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTCARE INSURANCE COMPANY | 461 | $1.5M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 357 | $24K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 395 | $135K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 395 | $135K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 395 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.