| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION, SUITE 700 DENVER, CO 80237 | BLUE CROSS OF CALIFORNIA | $126K | $8K | $134K | 3.92% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | BLUE CROSS OF CALIFORNIA | $18K | $3K | $21K | 0.61% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $95 | $18K | 9.39% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON AND CO. AND VARIOUS AGENTS | 3475 EAST FOOTHILL BOULEVARD PASADENA, CA 91107 | AFLAC | $8K | $300 | $8K | 7.82% |
| DENNY P. TWIGG3 | 24405 CHESTNUT STREET, SUITE 103 SANTA CLARITA, CA 91321 | AFLAC | $2K | $317 | $2K | 2.32% |
| SHARON S. WIENER3 | 8833 PICKFORD STREET LOS ANGELES, CA 90035 | AFLAC | $2K | $0 | $2K | 2.10% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | AFLAC | $824 | $0 | $824 | 0.76% |
| GARY OLIVERA3 Filed as: GARY G. OLIVERA | 1491 NW 123RD TERRACE PEMBROKE PINES, FL 33026 | AFLAC | $802 | $0 | $802 | 0.74% |
| ELIZABETH LOVE3 Filed as: ELIZABETH ANGELA LOVE | 3910 COUNTRY MEADOWS ROAD GRANBURY, TX 76049 | AFLAC | $589 | $123 | $712 | 0.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | AFLAC | $479 | $0 | $479 | 0.44% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $4K | $0 | $4K | 9.32% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $670 | $670 | 1.73% |
| BRYAN LEE3 | 2664 DOROTHY STREET BELLMORE, NY 11710 | AFLAC | $536 | $0 | $536 | 10.68% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | AFLAC | $352 | $0 | $352 | 7.02% |
| MJ INSURANCE3 Filed as: KEITH LEPACK AND VARIOUS AGENTS | 1991 BROADWAY NEW YORK, NY 10023 | AFLAC | $218 | $0 | $218 | 4.35% |
| MICHAEL BURACK3 | 125 JERICHO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $151 | $0 | $151 | 3.01% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 125 JERICHO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $131 | $0 | $131 | 2.61% |
| SHARON S. WIENER3 | 8833 PICKFORD STREET LOS ANGELES, CA 90035 | AFLAC | $95 | $0 | $95 | 1.89% |
| MICHELLE C. LEE3 | 1044 LOMA LISA LANE ARCADIA, CA 91006 | AFLAC | $76 | $0 | $76 | 1.51% |
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 | 580 | 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) | 580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 580 | $3.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 393 | $233K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 393 | $195K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 580 | $3.5M |
| Short-term disability(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 580 | $3.5M |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 580 | $3.4M |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 580 | $3.4M |
| Other(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 580 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 580 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.