| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | HEALTH NET | $112K | $5K | $116K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 10.00% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| JACQUELINE D CADIC3 Filed as: JACQUELINE REISNER AND OTHER AGENTS | PO BOX 394 SAN MARCOS, CA 92079 | AFLAC | $643 | $40 | $683 | 4.11% |
| BROOKE K FRAPWELL3 Filed as: BROOKE K. FRAPWELL | 4 FOX HOLLOW COURT FLEMINGTON, NJ 08822 | AFLAC | $347 | $100 | $447 | 2.69% |
| MANDY L. LOUGHLIN3 | 2355 MARSHALL WAY ALPINE, CA 91901 | AFLAC | $326 | $100 | $426 | 2.57% |
| RMANN GROUP INC3 Filed as: RMANN GROUP, INC. | 1518 BUCKINGHAM AVENUE MYRTLE BEACH, SC 29577 | AFLAC | $311 | — | $311 | 1.87% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | AFLAC | $308 | — | $308 | 1.85% |
| CK GOHL INSURANCE SOLUTIONS3 | 5050 MURPHY CANYON ROAD, SUITE 150 SAN DIEGO, CA 92123 | AFLAC | $259 | — | $259 | 1.56% |
| MARK HABER & ASSOC INC3 Filed as: MARK HABER AND ASSOCIATES, INC. | 5050 MURPHY CANYON ROAD, SUITE 150 SAN DIEGO, CA 92123 | AFLAC | $183 | $40 | $223 | 1.34% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | EYEMED | $1K | — | $1K | 9.97% |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 190 | $2.3M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $127K |
| Vision | EYEMED | 178 | $12K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 217 | $64K |
| Short-term disability | AFLAC | 26 | $17K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 217 | $64K |
| Prescription drug | HEALTH NET | 190 | $2.3M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 217 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.