| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC (DC) | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 022417484 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $29K | $133K | $162K | 1.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE STREET FLOOR 20 CHICAGO, IL 606011267 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | $64K | $78K | 0.76% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 022417484 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | — | $7K | 2.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 606044466 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | — | $4K | 1.32% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 1801 K ST NW #900 WASHINGTON, DC 20009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 7.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 55 E JACKSON BLVD STE 14A CHICAGO, IL 60604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 2.47% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 2.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 1801 K ST NW #900 WASHINGTON, DC 20009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 9.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD, STE 14A CHICAGO, IL 60604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 3.18% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 2.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 1801 K ST NW #900 WASHINGTON, DC 20009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 7.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 55 E JACKSON BLVD, STE 14A CHICAGO, IL 60604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.46% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.19% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 022417484 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $70 | $5K | 7.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE ST FL 20 CHICAGO, IL 606011267 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $44 | $2K | 2.50% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 752650823 | METROPOLITAN LIFE INSURANCE COMPANY | — | $538 | $538 | 0.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $168 | $168 | 0.24% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DEPT 3042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9 | $9 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (DC) | C/O BANK OF AMEERICA PO BOX 417484 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 11.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 3.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC (DC) | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 12.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92515 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 2.65% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (DC) | C/O BANK OF AMERICA PO BOX 417464 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 12.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $974 | — | $974 | 2.53% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (DC) | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 02241 | CIGNA DENTAL HEALTH OF OHIO, INC. | $301 | — | $301 | 5.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE STREET, FLOOR 20 CHICAGO, IL 60601 | CIGNA DENTAL HEALTH OF OHIO, INC. | $224 | — | $224 | 4.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (DC) | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 02241 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $204 | — | $204 | 5.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE STREET, FLOOR 20 CHICAGO, IL 60601 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $152 | — | $152 | 4.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (DC) | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 02241 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $117 | — | $117 | 5.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE STREET, FLOOR 20 CHICAGO, IL 60601 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $87 | — | $87 | 4.28% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (DC) | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 02241 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $97 | — | $97 | 5.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE STREET, FLOOR 20 CHICAGO, IL 60601 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $72 | — | $72 | 4.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC (DC) | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 02241 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $29 | — | $29 | 5.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE STREET, FLOOR 20 CHICAGO, IL 60601 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $22 | — | $22 | 4.33% |
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 | 519 | 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) | 519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 583 | $10.6M |
| Dental(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 583 | $10.3M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 879 | $69K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 802 | $218K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 802 | $153K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 802 | $224K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 583 | $10.6M |
| Other(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 274 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 879 | — |
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."
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.