| 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 | $158K | $0 | $158K | 6.44% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $58K | $0 | $58K | 2.67% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | UNITED HEALTHCARE INSURANCE COMPANY HARTFORD CT | $186K | $0 | $186K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $44K | $0 | $44K | 2.50% |
| BENEFIT STORE INC.3 | 100 BENEFIT FOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $158K | $59K | $217K | 18.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA 15939 COLLECTION CENTER DR CHICAGO, IA 606930159 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $158K | $20K | $178K | 15.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 15939 COLLECTION CENTER DR CHICAGO, IL 60693 | COMBINED INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 2.01% |
| BENEFIT STORE INC.3 | 100 BENEFIT FOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $117K | $44K | $160K | 18.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA 15939 COLLECTION CENTER DR CHICAGO, IL 606930159 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $117K | $20K | $136K | 15.62% |
| BENEFIT STORE INC.3 | 100 BENEFIT FOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $116K | $43K | $159K | 18.34% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA 15939 COLLECTION CENTER DR CHICAGO, IL 606930159 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $116K | $19K | $134K | 15.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3 CITYPLACE DR. SUITE 900 SAINT LOUIS, MO 631417088 | METLIFE INSURANCE COMPANY | $125K | $0 | $125K | 20.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W. MONROE STREET SUITE 3400 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN OF THE MID ATLANTIC | $0 | $1 | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74K | $0 | $74K | 15.21% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFIT FOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33K | $0 | $33K | 6.84% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $0 | $21K | 6.54% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 2.71% |
| BENFITSTORE, INC.3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METLIFE LEGAL PLANS, INC. | $14K | $301 | $15K | 5.92% |
| LOCKTON COMPANIES, LLC3 Filed as: MIDWEST SERIES OF LOCKTON COMPANIES | C/O BANK OF AMERICA 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | METLIFE LEGAL PLANS, INC. | $14K | $0 | $14K | 5.80% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS | DEPT 3383, PO BOX 123383 DALLAS, TX 753123383 | METLIFE LEGAL PLANS, INC. | $0 | $3K | $3K | 1.36% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - MOUNTAIN WEST | DEPT 999228 PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS, INC. | $0 | $1K | $1K | 0.42% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS, INC. | $0 | $399 | $399 | 0.16% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 E. RANDOLPH ST. FLOORS 3-15 CHICAGO, IL 606016420 | METLIFE LEGAL PLANS, INC. | $0 | $50 | $50 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 641121906 | METLIFE LEGAL PLANS, INC. | $0 | $10 | $10 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $10K | $17K | 7.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE CITY PLACE DRIVE SUITE 900 ST. LOUIS, MO 63141 | DELTA DENTAL OF WASHINGTON | $792 | $0 | $792 | 5.78% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $0 | $2K | $2K | 20.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3 CITY PLACE DRIVE ST. LOUIS, MO 63141 | ACE AMERICAN INSURANCE COMPANY | $0 | $1K | $1K | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $0 | $20K | 349.53% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 15939 COLLECTION CENTER DR CHICAGO, IL 60693 | COMBINED INSURANCE COMPANY OF AMERICA | $54 | $0 | $54 | 1.96% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 15939 COLLECTION CENTER DR CHICAGO, IL 60693 | COMBINED INSURANCE COMPANY OF AMERICA | $2 | $0 | $2 | 2.47% |
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 | 21,541 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 227 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,768 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 10 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 994 | $13.5M |
| Dental(2 contracts, 2 carriers) | HAWAII DENTAL SERVICE | 86 | $39K |
| Vision(3 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 14,543 | $914K |
| Life insurance(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15,244 | $4.2M |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,292 | $706K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 9,634 | $2.2M |
| Prescription drug(12 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 994 | $13.5M |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY HARTFORD CT | 5,368 | $1.9M |
| Other(11 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15,243 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,244 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.