| 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 | $352K | $5K | $358K | 5.33% |
| LINDA JUNE CREMIN3 | 5780 FLEET STREET, SUITE 200 CARLSBAD, CA 92008 | NORTHWESTERN MUTUAL | $7K | $2K | $9K | 2.76% |
| TOM STEWART IN SOL INC3 Filed as: TOM STEWART IN SOL, INC. | ONE AMERICA PLAZA 600 WEST BROADWAY, SUITE 600 SAN DIEGO, CA 92101 | NORTHWESTERN MUTUAL | $732 | $88 | $820 | 0.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: DELANEY STANTON GALLAGHER | ONE AMERICA PLAZA 600 WEST BROADWAY, SUITE 600 SAN DIEGO, CA 92101 | NORTHWESTERN MUTUAL | $510 | $183 | $693 | 0.21% |
| CHARLES DAVID BALFOUR3 | 5780 FLEET STREET, SUITE 200 CARLSBAD, CA 92008 | NORTHWESTERN MUTUAL | $222 | $80 | $302 | 0.09% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $802 | $5K | 19.32% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET 52ND FLOOR LOS ANGELES, CA 90017 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 9.26% |
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 | 447 | 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) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 343 | $6.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 343 | $6.7M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 360 | $25K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 447 | $26K |
| Long-term disability | NORTHWESTERN MUTUAL | 339 | $333K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 343 | $6.7M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 447 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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.
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.