| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 755 BAYWOOD DRIVE, 2ND FLOOR PETALUMA, CA 94954 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $70K | $3K | $74K | 11.76% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN, INC. | $17K | $0 | $17K | 3.72% |
| LOCKTON COMPANIES, LLC3 | DEPT LA 23940 PASADENA, CA 91185 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | $1K | $15K | 10.72% |
| LOCKTON COMPANIES, LLC3 | PO 23940 PASADENA, CA 91185 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 20.08% |
| LOCKTON COMPANIES, LLC3 | 755 BAYWOOD DRIVE, 2ND FLOOR PETALUMA, CA 94954 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | $0 | $2K | 5.44% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 16.91% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900A DALLAS, TX 75217 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 10.26% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC. | 7272 EAST INDIAN SCHOOL ROAD SUITE 220 SCOTTSDALE, AZ 85251 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 8.45% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 157 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 141 | $138K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 124 | $18K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 184 | $94K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 184 | $94K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 184 | $94K |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 157 | $1.1M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 184 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.