| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | $88K | $12K | $100K | 4.99% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA HEALTH OF CALIFORNIA, INC. | $74K | $0 | $74K | 3.95% |
| LOCKTON COMPANIES, LLC3 | DEPT LA 23940 PASADENA, CA 91185 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.05% |
| CATHERINE GOHL3 | 4610 68TH STREET LA MESA, CA 91942 | AFLAC | $2K | $124 | $2K | 7.86% |
| CK GOHL INSURANCE SOLUTIONS3 | 4610 68TH STREET LA MESA, CA 91942 | AFLAC | $1K | $0 | $1K | 4.71% |
| MJ INSURANCE3 Filed as: MANDY LOUGHLIN AND VARIOUS AGENTS | 257 BALSAM STREET RIDGECREST, CA 93555 | AFLAC | $1K | $0 | $1K | 3.92% |
| AGNES E MORALES3 Filed as: AGNES MORALES | 22939 STOKES ROAD RAMONA, CA 92065 | AFLAC | $642 | $29 | $671 | 2.52% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | AFLAC | $200 | $0 | $200 | 0.75% |
| KEN MAJOR3 | 2211 MICHELSON DRIVE, SUITE 1150 IRVINE, CA 92612 | AFLAC | $166 | $12 | $178 | 0.67% |
| KIM COUGHLIN3 | 24 HOMECREST DRIVE BERLIN, CT 06037 | AFLAC | $123 | $0 | $123 | 0.46% |
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 | 242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 438 | $3.9M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 438 | $2.0M |
| Vision | AETNA LIFE INSURANCE COMPANY | 438 | $2.0M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 240 | $95K |
| Short-term disability | AFLAC | 29 | $27K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 240 | $95K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 438 | $3.9M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 240 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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."
No prospect flags tripped on this filing.