| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | BLUE CROSS OF CALIFORNIA | $71K | $0 | $71K | 1.74% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 32 OLD SLIP NEW YORK, NY 10005 | BLUE CROSS OF CALIFORNIA | $37K | $0 | $37K | 0.90% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 575 MARKET STREET, SUITE 3600 SAN FRANCISCO, CA 94105 | BLUE CROSS OF CALIFORNIA | $7K | $0 | $7K | 0.18% |
| LOCKTON COMPANIES, LLC3 | PO BOX 92643 LOS ANGELES, CA 90009 | KAISER FOUNDATION HEALTH PLAN INC | $14K | $0 | $14K | 3.04% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 32 OLD SLIP NEW YORK, NY 10005 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 1.82% |
| LOCKTON COMPANIES, LLC3 | 725 FIGUEROA STREET, 25TH FLOOR LOS ANGELES, CA 90017 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $57 | $17K | 5.95% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 32 OLD SLIP NEW YORK, NY 10005 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $757 | $12K | 4.11% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.06% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $14K | 10.69% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 32 OLD SLIP NEW YORK, NY 10005 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $799 | $4K | 2.67% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 575 MARKET STREET, SUITE 3600 SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.35% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $1K | $0 | $1K | 5.90% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 32 OLD SLIP NEW YORK, NY 10005 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $654 | $48 | $702 | 4.08% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $181 | $181 | 1.05% |
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 | 509 | 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) | 509 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 601 | $4.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 711 | $305K |
| Vision | BLUE CROSS OF CALIFORNIA | 601 | $4.1M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 530 | $133K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 530 | $133K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 601 | $4.5M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 530 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 711 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.