| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA, SUITE 5200 LOS ANGELES, CA 90017 | UNITEDHEALTHCARE INSURANCE COMPANY | $147K | $0 | $147K | 5.46% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA, SUITE 5200 LOS ANGELES, CA 90017 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $71 | $18K | 12.14% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | METROPOLITAN LIFE INSURANCE COMPANY | $60 | $34 | $94 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7 | $7 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA, SUITE 5200 LOS ANGELES, CA 90017 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $2K | $0 | $2K | 12.19% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $410 | $410 | 2.15% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA, SUITE 5200 LOS ANGELES, CA 90017 | SAFEGUARD HEALTH PLANS INC., A TEXAS CORPORATION | $1K | $0 | $1K | 12.11% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SAFEGUARD HEALTH PLANS INC., A TEXAS CORPORATION | $0 | $218 | $218 | 2.13% |
| LOCKTON COMPANIES, LLC4 | 725 SOUTH FIGUEROA, 35TH FLOOR LOS ANGELES, CA 90017 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $754 | $0 | $754 | 16.95% |
| INTERMEDIARY SOLUTIONS COMPANY4 | 5720 LEBANON ROAD, SUITE 144/211 FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $263 | $0 | $263 | 5.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $80 | $0 | $80 | 9.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $0 | $10 | $10 | 1.22% |
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 | 476 | 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) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 308 | $2.7M |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 534 | $178K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 534 | $148K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 308 | $2.7M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 308 | $2.7M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 308 | $2.7M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 308 | $2.7M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 308 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.