| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | HEALTH NET | $99K | — | $99K | 4.89% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.68% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET LOS ANGELES, CA 90017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.32% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| BROOKE K FRAPWELL3 Filed as: BROOKE K. FRAPWELL | 4 FOX HOLLOW COURT FLEMINGTON, NJ 08822 | AFLAC | $1K | $23 | $1K | 4.82% |
| JACQUELINE D CADIC3 Filed as: JACQUELINE REISNER AND OTHER AGENTS | PO BOX 394 SAN MARCOS, CA 92079 | AFLAC | $865 | $10 | $875 | 4.07% |
| MANDY L. LOUGHLIN3 | 2355 MARSHALL WAY ALPINE, CA 91901 | AFLAC | $835 | $4 | $839 | 3.90% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | AFLAC | $570 | — | $570 | 2.65% |
| CK GOHL INSURANCE SOLUTIONS3 | 5050 MURPHY CANYON ROAD, SUITE 150 SAN DIEGO, CA 92123 | AFLAC | $548 | $6 | $554 | 2.57% |
| RMANN GROUP INC3 Filed as: RMANN GROUP, INC. | 1518 BUCKINGHAM AVENUE MYRTLE BEACH, SC 29577 | AFLAC | $475 | — | $475 | 2.21% |
| MARK HABER & ASSOC INC3 Filed as: MARK HABER AND ASSOCIATES, INC. | 5050 MURPHY CANYON ROAD, SUITE 150 SAN DIEGO, CA 92123 | AFLAC | $347 | $2 | $349 | 1.62% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | EYEMED | $1K | — | $1K | 9.88% |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 187 | $2.0M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $115K |
| Vision | EYEMED | 172 | $12K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 218 | $72K |
| Short-term disability | AFLAC | 28 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 218 | $72K |
| Prescription drug | HEALTH NET | 187 | $2.0M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 218 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.