| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | CO COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64841 | KAISER FOUNDATION HEALTH PLAN INC | $45K | $2K | $47K | 4.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SERVICES W | 777 SOUTH FIGUEROA ST 35TH FL LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN INC | $31K | $0 | $31K | 2.77% |
| UBF INSURANCE SERVICES, INC.3 | 2033 NORTH MAIN ST SUITE 700 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC | $14K | — | $14K | 1.21% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE SUITE 600 LA JOLLA, CA 92037 | UNITEDHEALTHCARE INSURANCE COMPANY | $140K | $0 | $140K | 100.00% |
| UBF INSURANCE SERVICES, INC.3 | 2033 NORTH MAIN ST SUITE 700 WALNUT CREEK, CA 94596 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | $0 | $28K | 19.75% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE SUITE 600 LA JOLLA, CA 92037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $1K | $6K | 16.02% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE SUITE 600 LA JOLLA, CA 92037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 18.80% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE SUITE 600 LA JOLLA, CA 92037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $390 | $2K | 12.27% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE SUITE 600 LA JOLLA, CA 92037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $599 | $169 | $768 | 16.66% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE SUITE 600 LA JOLLA, CA 92037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $222 | $59 | $281 | 12.67% |
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 | 754 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 754 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 316 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 316 | $140K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 316 | $140K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 754 | $50K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 754 | $19K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 754 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 754 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.