| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $47K | $20K | $67K | 2.85% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $115K | $20K | $135K | 5.87% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE SUITE 700 DENVER, CO 80237 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $0 | $3K | $3K | 0.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3 CITYPLACE DR. SUITE 900 SAINT LOUIS, MO 631417088 | METLIFE INSURANCE COMPANY | $240K | $0 | $240K | 20.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $20K | $42K | 3.78% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 15939 COLLECTION CENTER DR CHICAGO, IL 60693 | EYEMED | $16K | $0 | $16K | 1.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 505115 ST. LOUIS, MO 631505115 | EYEMED | $3K | $0 | $3K | 0.34% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 505115 STRATUM ST. LOUIS, MO 63150 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $121K | -$659K | -$538K | -55.68% |
| BENEFIT STORE INC.3 | 100 BENEFIT FOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $121K | -$659K | -$538K | -55.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 505115 STRATUM ST. LOUIS, MO 63150 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $113K | -$641K | -$527K | -58.14% |
| BENEFIT STORE INC.3 | 100 BENEFIT FOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $113K | -$641K | -$527K | -58.14% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 505115 STRATUM ST. LOUIS, MO 63150 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $101K | -$663K | -$562K | -69.34% |
| BENEFIT STORE INC.3 | 100 BENEFIT FOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $101K | -$663K | -$562K | -69.34% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFIT FOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108K | $0 | $108K | 19.89% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46K | $0 | $46K | 8.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE SUITE 700 DENVER, CO 80237 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $0 | $1K | $1K | 0.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $8K | $14K | 4.41% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $7K | $22K | 7.34% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $6K | $32K | 12.20% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $0 | $26K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $13K | $18K | 6.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE CITY PLACE DRIVE SUITE 900 ST. LOUIS, MO 63141 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $3K | $0 | $3K | 2.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $331 | $442 | $773 | 4.67% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE CITY PLACE DRIVE SUITE 900 ST. LOUIS, MO 63141 | DELTA DENTAL OF WASHINGTON | $669 | $0 | $669 | 6.09% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 20.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3 CITY PLACE DRIVE ST. LOUIS, MO 63141 | ACE AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
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 | 23,553 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 407 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,960 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(14 contracts, 10 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,220 | $19.6M |
| Dental(2 contracts, 2 carriers) | HAWAII DENTAL SERVICE | 113 | $45K |
| Vision | EYEMED | 17,520 | $982K |
| Life insurance(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 16,290 | $3.7M |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 6,039 | $855K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 9,196 | $2.3M |
| Prescription drug(11 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,220 | $17.8M |
| Other(10 contracts, 3 carriers) | METLIFE INSURANCE COMPANY | 23,553 | $5.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,553 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.