| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $180K | $28K | $208K | 6.20% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.03% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET 52ND FLOOR LOS ANGELES, CA 90017 | METLIFE LEGAL PLANS, INC. | $18K | $127 | $18K | 15.11% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METLIFE LEGAL PLANS, INC. | $0 | $895 | $895 | 0.76% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | METLIFE LEGAL PLANS, INC. | $0 | $18 | $18 | 0.02% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | UNKNOWN SAN DIEGO, CA 92121 | COMBINED INSURANCE COMPANY | $27K | $0 | $27K | 50.70% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | COMBINED INSURANCE COMPANY | $24K | $0 | $24K | 44.47% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | METROPOLITAN GENERAL INSURANCE COMPANY | $8K | $127 | $8K | 20.41% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK RD SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $566 | $566 | 1.36% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | $0 | $271 | $271 | 3.50% |
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 | 5,215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 93 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 10 | $77K |
| Vision | VISION SERVICE PLAN | 4,345 | $631K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,740 | $3.4M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,740 | $3.4M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,740 | $3.4M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 10 | $77K |
| Other(7 contracts, 7 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 10,969 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,969 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.