| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 EAST UNION AVENUE DENVER, CA 80237 | CIGNA HEALTHCARE OF CALIFORNIA | $20K | — | $20K | 2.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 EAST UNION AVENUE DENVER, CO 80237 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | $4K | $22K | 3.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 EAST UNION AVENUE DENVER, CO 80237 | AETNA LIFE INSURANCE COMPANY | $19K | — | $19K | 16.22% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8100 EAST UNION AVENUE DENVER, CO 80237 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $6K | 6.74% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 173850 DENVER, CO 80217 | VISION SERVICE PLAN | $325 | — | $325 | 1.73% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET NEWPORT BEACH, CA 92660 | VISION SERVICE PLAN | $24 | — | $24 | 0.13% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 EAST UNION AVENUE DENVER, CO 80237 | SAFEGUARD HEALTH PLANS, INC. | $850 | $177 | $1K | 10.04% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTHCARE OF CALIFORNIA | 246 | $1.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 298 | $104K |
| Vision | VISION SERVICE PLAN | 282 | $19K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 250 | $117K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 250 | $117K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 250 | $117K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTHCARE OF CALIFORNIA | 246 | $1.5M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 250 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.