| 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. | $87K | $0 | $87K | 4.04% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | $50K | $9K | $59K | 4.80% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | DELTA DENTAL OF CALIFORNIA | $14K | $0 | $14K | 10.41% |
| 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 | $1K | $1K | 1.67% |
| MJ INSURANCE3 Filed as: FRANK TAMADA AND VARIOUS AGENTS | 24001 CALLE DE LA MAGDALENA SUITE 3611 LAGUNA HILLS, CA 92654 | AFLAC | $813 | $29 | $842 | 4.94% |
| CK GOHL INSURANCE SOLUTIONS3 | 4610 68TH STREET LA MESA, CA 91942 | AFLAC | $583 | $22 | $605 | 3.55% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | AFLAC | $238 | $0 | $238 | 1.40% |
| MANDY L. LOUGHLIN3 | 257 BALSAM STREET RIDGECREST, CA 93555 | AFLAC | $142 | $0 | $142 | 0.83% |
| BROOKE K FRAPWELL3 Filed as: BROOKE K. FRAPWELL | 4 FOX HOLLOW COURT FLEMINGTON, NJ 08822 | AFLAC | $112 | $0 | $112 | 0.66% |
| MARK HABER & ASSOC INC3 Filed as: MARK HALIM HABER | 9370 SKY PARK COURT, SUITE 250 SAN DIEGO, CA 92123 | AFLAC | $111 | $0 | $111 | 0.65% |
| KIM C. TELLEZ3 | 7655 WEST AVENUE A2 LANCASTER, CA 93536 | AFLAC | $90 | $0 | $90 | 0.53% |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 284 | $3.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 244 | $153K |
| Vision | AETNA LIFE INSURANCE COMPANY | 284 | $1.2M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 248 | $81K |
| Short-term disability | AFLAC | 19 | $17K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 248 | $81K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 248 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.