| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 92643 LOS ANGELES, CA 90009 | KAISER FOUNDATION HEALTH PLAN, INC. | $66K | $0 | $66K | 5.01% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET LOS ANGELES, CA 90017 | AETNA HEALTH OF CALIFORNIA INC. | $60K | $0 | $60K | 4.99% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET LOS ANGELES, CA 90017 | AETNA LIFE INSURANCE COMPANY | $34K | $10K | $44K | 8.70% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 13.40% |
| SANDRA BREDESON3 | 6126 PRIMROSE DRIVE LA MESA, CA 91942 | AFLAC | $1K | $0 | $1K | 5.83% |
| HEATHER SIEMS3 Filed as: HEATHER SIEMS AND OTHER AGENTS | 6888 PARK RIDGE BOULEVARD SAN DIEGO, CA 92120 | AFLAC | $836 | $12 | $848 | 4.29% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | AFLAC | $619 | $0 | $619 | 3.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | AFLAC | $428 | $0 | $428 | 2.17% |
| TIFFANY A TREVINO3 Filed as: TIFFANY A. TREVINO | 6718 BARNHURST DRIVE SAN DIEGO, CA 92117 | AFLAC | $363 | $0 | $363 | 1.84% |
| KEN MAJOR3 Filed as: KEN L. MAJOR | 2211 MICHELSON DRIVE, SUITE 1150 IRVINE, CA 92612 | AFLAC | $234 | $0 | $234 | 1.18% |
| JACK DANIEL HOLDER3 | 3530 CAMINO DEL RIO NORTH SUITE 200 SAN DIEGO, CA 92108 | AFLAC | $207 | $0 | $207 | 1.05% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | HEALTH AND HUMAN RESOURCE CENTER, INC. | $1K | $0 | $1K | 15.00% |
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 | 320 | 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) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 430 | $3.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 430 | $511K |
| Vision | AETNA LIFE INSURANCE COMPANY | 430 | $511K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $62K |
| Prescription drug | AETNA HEALTH OF CALIFORNIA INC. | 196 | $1.2M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 304 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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.