| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 92643 LOS ANGELES, CA 90009 | KAISER FOUNDATION HEALTH PLAN INC | $90K | $0 | $90K | 0.96% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | $59K | $174 | $59K | 4.97% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CO 92037 | PREMIER ACCESS INSURANCE COMPANY | $66K | $0 | $66K | 8.87% |
| VINCENT A. CRESCENZO3 | 4741 NORWALK AVENUE SAN DIEGO, CA 92117 | PREMIER ACCESS INSURANCE COMPANY | $849 | $0 | $849 | 0.11% |
| MJ INSURANCE3 Filed as: CHARLES SMITH AND VARIOUS AGENTS | 4040 EAST PEIDMONT DRIVE HIGHLAND, CA 92346 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24K | $3K | $27K | 4.02% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $1K | $20K | 3.05% |
| CONSUMER DRIVEN BENEFITS LLC3 Filed as: CONSUMER DRIVEN BENEFITS, LLC | 3737 BIRCH STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $5K | $19K | 2.81% |
| ROBERT ELI WHITNEY3 | 1132 SAN MARINO DRIVE SAN MARCOS, CA 92078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17K | $0 | $17K | 2.61% |
| CRESCENZO FINANCIAL, INC.3 | 4741 NORWALK AVENUE SAN DIEGO, CA 92117 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17K | $0 | $17K | 2.57% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $3K | $11K | 1.64% |
| WENDY DAWN PACK3 Filed as: WENDY GERSHOW | 3217 STAR AVENUE OAKLAND, CA 94619 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $135 | $6K | 0.91% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE SUITE 600 LA JOLLA, CA 92037 | SHARP HEALTH PLAN | $26K | $0 | $26K | 4.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CALIFORNIA PHYSICIANS SERVICE | $18K | $0 | $18K | 2.76% |
| LOCKTON COMPANIES, LLC3 | DEPARMENT LA 23940 PASADENA, CA 91185 | BLUE CROSS OF CALIFORNIA | $13K | $4 | $13K | 2.14% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FNCL SVCS | 6200 CANOGA AVENUE, SUITE 300 WOODLAND HILLS, CA 91367 | BLUE CROSS OF CALIFORNIA | $0 | $9K | $9K | 1.43% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION, SUITE 700 DENVER, CO 80237 | BLUE CROSS OF CALIFORNIA | $3K | $0 | $3K | 0.54% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FNCL SVCS | 21650 OXNARD STREET, SUITE 200 WOODLAND HILLS, CA 91367 | BLUE CROSS OF CALIFORNIA | $0 | $2K | $2K | 0.36% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | $29K | $0 | $29K | 4.79% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA HEALTHCARE OF CALIFORNIA INC. | $28K | $0 | $28K | 4.81% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA HEALTHCARE OF CALIFORNIA INC. | $16K | $0 | $16K | 4.97% |
| LOCKTON COMPANIES, LLC3 | PO BOX 92643 LOS ANGELES, CA 90009 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.60% |
| LOCKTON COMPANIES, LLC3 | PO BOX 92643 LOS ANGELES, CA 90009 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 9.99% |
| CRESCENZO FINANCIAL, INC.3 Filed as: CRESCENZO FINANCIAL INC | 4741 NORWALK AVENUE SAN DIEGO, CA 92117 | PRINCIPAL LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| BROOKS JUCHA & ASSOCIATES3 Filed as: BROOKS JUCHA AND ASSOCIATES | 11405 WEST BERNARDO COURT SAN DIEGO, CA 92127 | PRINCIPAL LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| LOCKTON COMPANIES, LLC3 | DEPT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.32% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CALIFORNIA PHYSICIANS SERVICE | $6K | $0 | $6K | 4.54% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | HARTFORD LIFE AND ACCIDENT | $19K | $0 | $19K | 15.43% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 1.26% |
| KENT A. BROOKS INS SVCS, INC.3 Filed as: KENT A. BROOKS INS. SERV. | 11405 WEST BERNARDO COURT SAN DIEGO, CA 92127 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 0.99% |
| LOCKTON COMPANIES, LLC3 | PO BOX 92643 LOS ANGELES, CA 90009 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.03% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION, SUITE 700 DENVER, CO 80237 | MEDIEXCEL HEALTH PLAN | $3K | $0 | $3K | 4.73% |
| LOCKTON COMPANIES, LLC3 | PO BOX 92643 LOS ANGELES, CA 90009 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.43% |
| LOCKTON COMPANIES, LLC3 | DEPT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.44% |
| LOCKTON COMPANIES, LLC3 | DEPARMENT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $1K | $0 | $1K | 6.13% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE LA JOLLA, CA 92037 | UNION SECURITY INSURANCE COMPANY | $456 | $0 | $456 | 10.01% |
| LOCKTON COMPANIES, LLC3 | DEPT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $170 | $0 | $170 | 5.28% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $38 | $0 | $38 | 10.13% |
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 | 1,365 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,600 | $14.2M |
| Dental(5 contracts, 2 carriers) | PREMIER ACCESS INSURANCE COMPANY | 2,026 | $1.2M |
| Vision(4 contracts) | VISION SERVICE PLAN | 1,109 | $173K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 135 | $130K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 649 | $667K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 135 | $125K |
| Prescription drug(9 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,600 | $14.1M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 135 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,026 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.