| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $115K | — | $115K | 25.41% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $23K | $23K | 5.09% |
| LINDA JUNE CREMIN3 Filed as: LINDA JUNE CREMIN LOCHOW | 1925 PALOMAR OAKS WAY, SUITE 105 CARLSBAD, CA 92008 | NORTHWESTERN MUTUAL | $3K | $643 | $4K | 1.34% |
| CANDACE H. BERKMAN3 | 600 WEST BROADWAY, SUITE 600 SAN DIEGO, CA 92101 | NORTHWESTERN MUTUAL | $3K | $643 | $4K | 1.34% |
| GARRETT J BLEAKLEY INS3 Filed as: GARRETT J. BLEAKLEY INSURANCE | 600 WEST BROADWAY, SUITE 600 SAN DIEGO, CA 92101 | NORTHWESTERN MUTUAL | $1K | $136 | $1K | 0.46% |
| ANDREW R GRETHEL3 Filed as: ANDREW DAVID RUBIN | 1925 PALOMAR OAKS WAY, SUITE 105 CARLSBAD, CA 92008 | NORTHWESTERN MUTUAL | $508 | $93 | $601 | 0.22% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | UNITED CONCORDIA INSURANCE COMPANY | $27K | $7K | $34K | 13.02% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | CIGNA HEALTHCARE OF CALIFORNIA | $57K | — | $57K | 32.83% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $556 | $3K | 8.62% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LAJOLLA, CA 92037 | ZURICH AMERICAN INSURANCE COMPANY | $419 | — | $419 | 15.00% |
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 | 409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 555 | $626K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 132 | $264K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 763 | $33K |
| Long-term disability | NORTHWESTERN MUTUAL | 409 | $276K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 555 | $626K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 763 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 763 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.