| 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 | $211K | $75K | $286K | 0.67% |
| KEMPER BENEFITS3 | UNKNOWN LISLE, IL 60532 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $200K | $0 | $200K | 6.94% |
| FIRST HEALTH3 | UNKNOWN LISLE, IL 60532 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $125K | $0 | $125K | 4.33% |
| CAREINGTON3 | 7400 GAYLORD PARKWAY FRISCO, TX 75035 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $20K | $0 | $20K | 0.68% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $34K | $0 | $34K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | HYATT LEGAL PLANS, INC. | $18K | $319 | $19K | 9.39% |
| LOCKTON COMPANIES, LLC3 | 111 EAST KILBOURN AVENUE, SUITE 825 MILWAUKEE, WI 53202 | HYATT LEGAL PLANS, INC. | $0 | $2K | $2K | 1.07% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HYATT LEGAL PLANS, INC. | $0 | $615 | $615 | 0.31% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | HYATT LEGAL PLANS, INC. | $0 | $555 | $555 | 0.28% |
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE, SUITE 600 CHICAGO, IL 60661 | HYATT LEGAL PLANS, INC. | $0 | $95 | $95 | 0.05% |
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 | 26,216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 26,264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 10,530 | $49.6M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 10,530 | $42.4M |
| Vision | VISION SERVICE PLAN | 6,142 | $671K |
| Life insurance(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 24,319 | $4.8M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 24,319 | $1.9M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 24,319 | $1.9M |
| Prescription drug(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 10,530 | $49.6M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 24,319 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,319 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.