| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | UNITEDHEALTHCARE INSURANCE COMPANY | $466K | $0 | $466K | 3.37% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | SELECTHEALTH, INC. | $11K | $0 | $11K | 2.49% |
| MERCER HEALTH AND BENEFITS, LLC3 | 17901 VON KARMAN, SUITE 1100 IRVINE, CA 92614 | SELECTHEALTH, INC. | $2K | $769 | $3K | 0.68% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $60K | $18K | $78K | 18.11% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET 52ND FLOOR LOS ANGELES, CA 90017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 4.64% |
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, 6TH FLOOR SAN FRANCISCO, CA 94111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | $2K | $16K | 11.35% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET SUITE 3500 LOS ANGELES, CA 90017 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 9.17% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $262 | $0 | $262 | 1.02% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 28.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKOTN COMPANIES, LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $153 | $153 | 3.33% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $3 | $0 | $3 | 4.84% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKOTN COMPANIES, LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $1 | $1 | 1.61% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET SUITE 3500 LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $0 | $175 | $175 | — |
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 | 4,525 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,941 | $15.1M |
| Dental(6 contracts, 6 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,941 | $14.0M |
| Vision(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,941 | $13.9M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,200 | $437K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,200 | $431K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,200 | $431K |
| Prescription drug(8 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,941 | $15.1M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,200 | $437K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,200 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.