| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN INC | $151K | $0 | $151K | 4.23% |
| EMPLOYERS SELECT INSURANCE SERVICES3 Filed as: EMPLOYERS SELECT INS. SERVICES, INC | 5701 LONETREE BOULEVARD, SUITE 111 ROCKLIN, CA 95765 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $0 | $4K | 0.10% |
| SSM INSURANCE SERVICES, INC.3 | PO BOX 750004 PETALUMA, CA 94975 | KAISER FOUNDATION HEALTH PLAN INC | $1 | $0 | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | $0 | $40K | 6.83% |
| ENROLLEASE3 Filed as: ENROLLEASE INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $13K | $13K | 2.23% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.56% |
| LOCKTON COMPANIES, LLC3 | 14005 LIVE OAK AVENUE IRWINDALE, CA 91706 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.40% |
| LOCKTON COMPANIES, LLC3 | 635 BROADWAY, SUITE 100 SONOMA, CA 95476 | SUTTER HEALTH PLAN | $25K | $0 | $25K | 4.99% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | WESTERN HEALTH ADVANTAGE | $13K | $0 | $13K | 4.83% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $7K | $0 | $7K | 10.15% |
| SHANNON ZAJEC3 | 5701 LONETREE BOULEVARD, SUITE 111 ROCKLIN, CA 95765 | VISION SERVICE PLAN | $96 | $0 | $96 | 0.14% |
| LOCKTON COMPANIES, LLC3 | 3 CENTERPOINTE DRIVE, SUITE 320 LAKE OSWEGO, OR 97035 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $213 | $6K | 19.79% |
| ENROLLEASE3 Filed as: ENROLLEASE INC. | 500 TREAT AVENUE, SUITE 200 SAN FRANCISCO, CA 94110 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $565 | $565 | 1.91% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $358 | $358 | 1.21% |
| MICHELLE ROBERTS4 | 265 CENTRAL AVENUE SUNNYVALE, CA 94086 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $1K | $0 | $1K | 12.74% |
| DEBORAH M. LAREMORE4 | 1201 MONUMENT BOULEVARD, SPC 20 CONCORD, CA 94520 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $42 | $0 | $42 | 0.49% |
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 | 799 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 836 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 593 | $4.3M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 799 | $580K |
| Vision | VISION SERVICE PLAN | 397 | $68K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 799 | $580K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 799 | $580K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 799 | $618K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 799 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.