| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | DEP LA 23940 PASADENA, CA 91185 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $282K | $6K | $288K | 4.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 17875 VON KARMAN AVE STE 300 IRVINE, CA 92614 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $57K | — | $57K | 0.80% |
| LINDA JUNE CREMIN3 | 5780 FLEET ST, SUITE 200 CARLSBAD, CA 92008 | NORTHWESTERN MUTUAL | $7K | $2K | $9K | 2.92% |
| CHARLES DAVID BALFOUR3 | 5780 FLEET ST, SUITE 200 CARLSBAD, CA 92008 | NORTHWESTERN MUTUAL | $704 | $253 | $957 | 0.32% |
| TOM STEWART IN SOL INC3 Filed as: TOM STEWART IN SOL, INC | ONE AMERICA PLAZA 600 W BROADWAY STE 600 SAN DIEGO, CA 92101 | NORTHWESTERN MUTUAL | $704 | $85 | $789 | 0.26% |
| LOCKTON COMPANIES, LLC3 | 777 S FIGUEROA STREET, 52ND FLOOR LOS ANGELES, CA 90017 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 8.27% |
| AON CONSULTING INC3 | 200 E RANDOLPH STREET CHICAGO, IL 60601 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $203 | — | $203 | 0.86% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $198 | — | $198 | 0.84% |
| LOCKTON COMPANIES, LLC3 | DEP LA 23940 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.63% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 777 FIGUEROA ST 52ND FL LOS ANGELES, CA 90017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $653 | $653 | 3.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $297 | — | $297 | 1.37% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET STE 900 KANSAS CITY, MO 641121906 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| LOCKTON COMPANIES, LLC3 | DEPT LA 23940 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $534 | — | $534 | 13.64% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $54 | — | $54 | 1.38% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 777 FIGUEROA ST 52ND FL LOS ANGELES, CA 90017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $33 | $33 | 0.84% |
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 | 445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 343 | $7.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 343 | $7.1M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 367 | $24K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 434 | $22K |
| Long-term disability | NORTHWESTERN MUTUAL | 347 | $302K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 343 | $7.1M |
| Other(2 contracts, 2 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 434 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.