| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CALIFORNIA PHYSICIANS SERVICE | $0 | $129K | $129K | 3.63% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, TX 92037 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $70 | $21K | 6.82% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, TX 64184 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.27% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $76 | $76 | 0.02% |
| JOSEPH RUBINO3 Filed as: JOSEPH THOMAS RUBINO | 2490 GROSSMONT COLLEGE DRIVE EL CAJON, CA 92020 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $137 | $9K | 6.40% |
| ROBERT ELI WHITNEY3 | 28519 NORTH 123RD LANE PEORIA, AZ 85383 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 5.77% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LANE PLACERVILLE, CA 95667 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $657 | $2K | 1.65% |
| MICHAEL C WALKER3 Filed as: MICHAEL J. MINNEY | PO BOX 365 POWAY, CA 92074 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $547 | $2K | 1.31% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.90% |
| CLIENT BENEFIT INSURANCE SERVICES3 Filed as: CLIENT BENEFIT INSURANCE SVCS., INC | 10769 WOODSIDE AVENUE SANTEE, CA 92071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $469 | $0 | $469 | 0.34% |
| CONSUMER DRIVEN BENEFITS LLC3 Filed as: CONSUMER DRIVEN AND OTHER AGENTS | 301 DOVE STREET, SUITE 340 NEWPORT BEACH, CA 92660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $95 | $0 | $95 | 0.07% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $9K | 12.62% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $3K | $0 | $3K | 6.77% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $496 | $496 | 1.27% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 9.18% |
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 | 579 | 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) | 579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 417 | $3.6M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 525 | $344K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 531 | $33K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 575 | $71K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 575 | $71K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 575 | $71K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 417 | $3.6M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 575 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 575 | — |
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.