| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | KAISER FOUNDATION HEALTH PLAN | — | $577 | $577 | 0.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT LA 23940 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $865 | $865 | 0.85% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT LA 23940 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $593 | $593 | 0.59% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT LA 23940 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $1K | $7K | 7.23% |
| C3 RISK & INSURANCE SERVICES3 Filed as: C3 RISK & INSURANCE SERVICE | 404 DEL RIO SOUTH, SUITE 410 SAN DIEGO, CA 92108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 4.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT LA 23940 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $640 | $5K | 13.79% |
| C3 RISK & INSURANCE SERVICES3 | 404 DEL RIO SOUTH, SUITE 410 SAN DIEGO, CA 92108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.84% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT LA 23940 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $145 | $145 | 0.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT LA 23940 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $417 | $4K | 13.85% |
| C3 RISK & INSURANCE SERVICES3 | 404 DEL RIO SOUTH, SUITE 410 SAN DIEGO, CA 92108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | ARAG INSURANCE COMPANY | $1K | — | $1K | 5.78% |
| C3 RISK & INSURANCE SERVICES3 | 404 DEL RIO SOUTH, SUITE 410 SAN DIEGO, CA 92108 | ARAG INSURANCE COMPANY | $1K | — | $1K | 4.23% |
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 | 696 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 709 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN | 333 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 596 | $559K |
| Vision | VISION SERVICE PLAN | 557 | $74K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 696 | $101K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 696 | $100K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 696 | $101K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN | 333 | $1.7M |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 729 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 729 | — |
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.