| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | BLUE CROSS OF CALIFORNIA | $34K | $219K | $253K | 1.65% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | BLUE CROSS OF CALIFORNIA | $40K | — | $40K | 0.26% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $12K | $12K | 2.23% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 2.21% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT. LA 23940 PASADENA, CA 911853940 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 1.77% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 2.27% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 2.19% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT. LA 23940 PASADENA, CA 911853940 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 1.81% |
| IMA, INC.3 | 430 E. DOUGLAS AVENUE SUITE 400 WICHITA, KS 67202 | ARAG INSURANCE COMPANY | $4K | — | $4K | 8.77% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 4275 EXECUTIVE SQUARE SUITE 600 SAN DIEGO, CA 92037 | ARAG INSURANCE COMPANY | $3K | — | $3K | 6.23% |
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 | 1,750 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,750 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 2,774 | $15.3M |
| Dental | DELTA DENTAL OF CALIFORNIA | 2,752 | $955K |
| Vision | VISION SERVICE PLAN | 1,242 | $133K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,739 | $377K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,739 | $548K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,739 | $548K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 2,774 | $15.3M |
| Other(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 2,774 | $15.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,774 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.