| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $220K | $0 | $220K | 15.36% |
| LINDA JUNE CREMIN3 | 5780 FLEET STREET, SUITE 200 CARLSBAD, CA 92008 | NORTHWESTERN MUTUAL | $7K | $2K | $9K | 2.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: DELANEY STANTON GALLAGHER | 5780 FLEET STREET, SUITE 200 CARLSBAD, CA 92008 | NORTHWESTERN MUTUAL | $739 | $265 | $1K | 0.30% |
| TOM STEWART IN SOL INC3 Filed as: TOM STEWART INS. SOLUTIONS INC. | 600 WEST BROADWAY, SUITE 600 ONE AMERICA PLAZA SAN DIEGO, CA 92101 | NORTHWESTERN MUTUAL | $739 | $89 | $828 | 0.24% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | CIGNA HEALTHCARE OF CALIFORNIA | $78K | $0 | $78K | 24.49% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 13.59% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $439 | $439 | 2.01% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET LOS ANGELES, CA 90017 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 12.56% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ZURICH AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 20.00% |
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 | 344 | 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) | 344 | 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 | 674 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 674 | $1.4M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 334 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 344 | $22K |
| Long-term disability | NORTHWESTERN MUTUAL | 344 | $340K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 674 | $1.8M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 344 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 674 | — |
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.