| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET SUITE 3400 CHICAGO, IL 60661 | AETNA LIFE INSURANCE CO. | $56K | $0 | $56K | 3.45% |
| THOMAS DANCO3 Filed as: THOMAS PETER DANCO | 11150 SANTA MONICA BLVD SUITE 800 LOS ANGELES, CA 90025 | AETNA LIFE INSURANCE CO. | $15K | $0 | $15K | 0.92% |
| LOCKTON COMPANIES, LLC3 | 725 S FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 6.77% |
| THOMAS DANCO3 | 11150 SANTA MONICA BLVD SUITE 800 LOS ANGELES, CA 90025 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 3.22% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $72 | $72 | 0.05% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $95 | $6K | 4.52% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W 47TH ST SUITE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.70% |
| THOMAS DANCO3 | 11150 SANTA MONICA BLVD STE 800 LOS ANGELES, CA 90025 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.75% |
| LOCKTON COMPANIES, LLC3 | 725 S. FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | EYEMED VISION CARE | $2K | $0 | $2K | 15.59% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: TBG DANCO INSURANCE SERVICES GROUP | 11150 SANTA MONICA BLVD SUITE 800 LOS ANGELES, CA 90025 | EYEMED VISION CARE | $146 | $0 | $146 | 1.05% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | RELIASTAR LIFE INSURANCE COMPANY | $472 | $0 | $472 | 5.40% |
| THOMAS DANCO3 Filed as: THOMAS P DANCO | 11150 SANTA MONICA BLVD SUITE 800 LOS ANGELES, CA 90025 | RELIASTAR LIFE INSURANCE COMPANY | $334 | $0 | $334 | 3.82% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA. | $330 | $0 | $330 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE PRUDENTIAL INS CO OF AMERICA EIN 22-1211670 INSURANCE COMPANY | Plan Administrator Service code 14 | — | $8K |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 210 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 245 | $138K |
| Vision | EYEMED VISION CARE | 173 | $14K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 144 | $150K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 144 | $158K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 144 | $150K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 210 | $1.6M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 230 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.