| 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 | $122K | $18K | $140K | 5.74% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $44K | $15K | $59K | 2.68% |
| BENEFIT STORE INC.3 | 100 BENEFIT FOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $136K | $0 | $136K | 10.43% |
| 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 | $136K | $0 | $136K | 10.43% |
| BENEFIT FOCUS COM INC3 | 100 BENEFIT FOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $55K | $55K | 4.17% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | PO BOX 95135 CHICAGO, IL 60694 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | $11K | $38K | 2.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | $0 | $27K | 2.07% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $15K | $35K | 3.48% |
| BENEFIT STORE INC.3 | 100 BENEFIT FOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $103K | $0 | $103K | 10.44% |
| 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 | $103K | $0 | $103K | 10.44% |
| BENEFIT FOCUS COM INC3 | 100 BENEFIT FOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $41K | $41K | 4.18% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | PO BOX 95135 CHICAGO, IL 60694 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $8K | $28K | 2.88% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $0 | $20K | 2.06% |
| BENEFIT STORE INC.3 | 100 BENEFIT FOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $97K | $0 | $97K | 10.45% |
| 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 | $97K | $0 | $97K | 10.45% |
| BENEFIT FOCUS COM INC3 | 100 BENEFIT FOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $39K | $39K | 4.18% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | PO BOX 95135 CHICAGO, IL 60694 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $8K | $27K | 2.87% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $0 | $19K | 2.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 15939 COLLECTION CENTER DR CHICAGO, IL 60693 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $11K | $0 | $11K | 1.40% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $125K | $0 | $125K | 19.03% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | PO BOX 95135 CHICAGO, IL 60694 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 0.97% |
| 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 | $9K | $9K | 1.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3 CITYPLACE DR. SUITE 900 SAINT LOUIS, MO 631417088 | METLIFE INSURANCE COMPANY | $102K | $0 | $102K | 20.00% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFIT FOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68K | $0 | $68K | 15.20% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49K | $0 | $49K | 10.90% |
| HODGES-MACE LLC3 | 5775 E GLENRIDGE DR. SUITE 500 ATLANTA, GA 30328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| VIDAL & RODRIGUEZ3 | — | TRIPLE S SALUD, INC. | $22K | $0 | $22K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $6K | $22K | 6.69% |
| 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. | $17K | $0 | $17K | 5.83% |
| BENFITSTORE, INC.3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METLIFE LEGAL PLANS, INC. | $6K | $5K | $11K | 3.61% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 250 MARQUETTE AVENUE STE 900 MINNEAPOLIS, MN 55401 | METLIFE LEGAL PLANS, INC. | $6K | $0 | $6K | 1.92% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | PO BOX 95135 CHICAGO, IL 60694 | METLIFE LEGAL PLANS, INC. | $6K | $0 | $6K | 1.86% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS | DEPT 3383, PO BOX 123383 DALLAS, TX 75312 | METLIFE LEGAL PLANS, INC. | $0 | $4K | $4K | 1.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - MOUNTAIN WEST | DEPT 999228 PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS, INC. | $0 | $2K | $2K | 0.80% |
| 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 | $128 | $128 | 0.04% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $5K | $10K | 3.79% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $3K | $7K | 3.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE CITY PLACE DRIVE SUITE 900 ST. LOUIS, MO 63141 | DELTA DENTAL OF WASHINGTON | $553 | $0 | $553 | 4.68% |
| 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 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 60.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 15939 COLLECTION CENTER DR CHICAGO, IL 60693 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $33 | $0 | $33 | 0.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 15939 COLLECTION CENTER DR CHICAGO, IL 60693 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.88% |
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 | 23,944 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 222 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 24,166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(14 contracts, 11 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,190 | $16.9M |
| Dental(3 contracts, 3 carriers) | TRIPLE S SALUD, INC. | 87 | $477K |
| Vision(3 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 14,977 | $805K |
| Life insurance(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 16,802 | $4.6M |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 3,059 | $657K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,165 | $2.2M |
| Prescription drug(13 contracts, 10 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,190 | $16.9M |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY HARTFORD CT | 68,473 | $2.3M |
| Other(11 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 16,805 | $6.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 68,473 | — |
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.