| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 635 BROADWAY, SUITE 100 SONOMA, CA 95476 | SUTTER HEALTH PLAN | $145K | — | $145K | 4.19% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | SUTTER HEALTH PLAN | $28K | — | $28K | 0.81% |
| LOCKTON COMPANIES, LLC3 | 777 S. FIGUEROA STREET STE 5200 LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN, INC. | $67K | — | $67K | 3.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN, INC. | $9K | — | $9K | 0.38% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | WESTERN HEALTH ADVANTAGE | $17K | — | $17K | 3.10% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | WESTERN HEALTH ADVANTAGE | $10K | — | $10K | 1.76% |
| LOCKTON COMPANIES, LLC3 | 14005 LIVE OAK AVENUE IRWINDALE, CA 91706 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 4.99% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 753123042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 1.12% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 1.01% |
| LOCKTON COMPANIES, LLC3 | 14005 LIVE OAK AVENUE IRWINDALE, CA 91706 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 8.46% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.54% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $937 | $937 | 1.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 14005 LIVE OAK AVENUE IRWINDALE, CA 91706 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 8.37% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.63% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $981 | $981 | 1.12% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $6K | — | $6K | 8.68% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | VISION SERVICE PLAN | $1K | — | $1K | 1.61% |
| LOCKTON COMPANIES, LLC3 | 14005 LIVE OAK AVENUE IRWINDALE, CA 91706 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.20% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.80% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $705 | $705 | 1.10% |
| LOCKTON COMPANIES, LLC3 | 3 CENTERPOINTE DRIVE, SUITE 320 LAKE OSWEGO, OR 97035 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $129 | $11K | 24.09% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $119 | $1K | 3.32% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $560 | $560 | 1.26% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | METROPOLITAN LIFE INSURANCE COMPANY | — | $157 | $157 | 0.35% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9 | $9 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 3 CENTERPOINTE DRIVE, SUITE 320 LAKE OSWEGO, OR 97035 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $129 | $7K | 21.90% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $820 | $117 | $937 | 2.74% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $394 | $394 | 1.15% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | — | $80 | $80 | 0.23% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6 | $6 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 14005 LIVE OAK AVENUE IRWINDALE, CA 91706 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 12.52% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $793 | — | $793 | 2.48% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $390 | $390 | 1.22% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CENTERPOINTE DRIVE, SUITE 320 LAKE OSWEGO, OR 97035 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $129 | $7K | 24.88% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $117 | $1K | 4.02% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $386 | $386 | 1.31% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | METROPOLITAN LIFE INSURANCE COMPANY | — | $82 | $82 | 0.28% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6 | $6 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 14005 LIVE OAK AVENUE IRWINDALE, CA 91706 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.96% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $348 | $348 | 1.24% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $291 | — | $291 | 1.04% |
| MICHELLE ROBERTS4 | 265 CENTRAL AVE SUNNYVALE, CA 94086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 9.29% |
| LOCKTON COMPANIES, LLC4 | 725 S FIGUEROA ST, FL 35 LOS ANGELES, CA 90017 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $477 | — | $477 | 3.26% |
| MICHELLE ROBERTS4 | PO BOX 1198-1343 SACRAMENTO, CA 95812 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $59 | — | $59 | 0.40% |
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 | 946 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 954 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SUTTER HEALTH PLAN | 542 | $6.2M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 529 | $529K |
| Vision | VISION SERVICE PLAN | 468 | $74K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 946 | $152K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 174 | $32K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 174 | $91K |
| Prescription drug(3 contracts, 3 carriers) | SUTTER HEALTH PLAN | 542 | $6.2M |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 946 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 946 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.