| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA HEALTH OF CALIFORNIA INC. | $80K | $8K | $88K | 4.37% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | $30K | $183 | $31K | 4.02% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF CALIFORNIA | $12K | $0 | $12K | 10.00% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $142 | $142 | 0.19% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | AFLAC | $993 | $0 | $993 | 5.58% |
| MANDY L. LOUGHLIN3 Filed as: MANDY L. LOUGHLIN AND OTHER AGENTS | 1217 QUAIL WAY RIDGECREST, CA 93555 | AFLAC | $766 | $6 | $772 | 4.33% |
| CK GOHL INSURANCE SOLUTIONS3 | 4610 68TH STREET LA MESA, CA 91942 | AFLAC | $754 | $10 | $764 | 4.29% |
| CHERYL L. WILLIAMS3 | 1636 50TH STREET SAN DIEGO, CA 92102 | AFLAC | $236 | $29 | $265 | 1.49% |
| MORGAN MICHELLE MCGOWN3 | 3944 MURPHY CANYON ROAD SUITE C203 SN DIEGO, CA 92123 | AFLAC | $228 | $0 | $228 | 1.28% |
| RMANN GROUP INC3 Filed as: RMANN GROUP, LLC | 1518 BUCKINGHAM AVENUE MYRTLE BEACH, SC 29577 | AFLAC | $218 | $0 | $218 | 1.22% |
| BROOKE K FRAPWELL3 Filed as: BROOKE K. FRAPWELL | 4 FOX HOLLOW COURT FLEMINGTON, NJ 08822 | AFLAC | $192 | $0 | $192 | 1.08% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADNEA, CA 91185 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 9.98% |
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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 331 | $2.8M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 213 | $141K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 253 | $18K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 261 | $75K |
| Short-term disability | AFLAC | 24 | $18K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 261 | $75K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 261 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.