| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF ILLINOIS | $37K | $0 | $37K | 0.34% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 3.89% |
| KEMPER BENEFITS3 | UNKNOWN LISLE, IL 60532 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $36K | $0 | $36K | 12.34% |
| FIRST HEALTH3 | UNKNOWN LISLE, IL 60532 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $16K | $0 | $16K | 5.42% |
| CAREINGTON3 | 7400 GAYLORD PARKWAY FRISCO, TX 75035 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.81% |
| KENNETH DALTON HOLDERBAUM III3 | UNKNOWN LISLE, IL 60532 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.56% |
| KEY BENEFIT ADMINISTRATORS, INC3 Filed as: KEY BENEFITS RESOURCE, LL | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.56% |
| STEVEN BELL3 | 13616 KANIS ROAD LITTLE ROCK, AR 72211 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.56% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $9K | $0 | $9K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60661 | HYATT LEGAL PLANS | $5K | $0 | $5K | 14.95% |
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE STREET, SUITE 600 CHICAGO, IL 60661 | HYATT LEGAL PLANS | $0 | $57 | $57 | 0.18% |
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 | 23,239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 31,921 | $12.4M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 12,344 | $11.0M |
| Vision | VISION SERVICE PLAN | 6,799 | $177K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 31,921 | $682K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 25,349 | $388K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 25,349 | $388K |
| Prescription drug(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 31,921 | $12.4M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 25,349 | $420K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31,921 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.