| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE & BRITT, INC. | P.O. BOX 922022 HOUSTON, TX 77292 | KAISER FOUNDATION HEALTH PLAN INC. | $53K | — | $53K | 3.02% |
| SCOTT CASTEEL3 Filed as: SCOTT CHRISTOPHER CASTEEL | 1450 W. JAMES WAY ANAHEIM, CA 92801 | KAISER FOUNDATION HEALTH PLAN INC. | $23K | — | $23K | 1.29% |
| FILICE INSURANCE AGENCY3 | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC. | $10K | $10 | $10K | 0.59% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE & BRITT, INC. | P.O. BOX 922022 HOUSTON, TX 77292 | KAISER FOUNDATION HEALTH PLAN INC. | $21K | — | $21K | 3.44% |
| SCOTT CASTEEL3 Filed as: SCOTT CHRISTOPHER CASTEEL | 1450 W. JAMES WAY ANAHEIM, CA 92801 | KAISER FOUNDATION HEALTH PLAN INC. | $9K | — | $9K | 1.47% |
| FILICE INSURANCE AGENCY3 | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | $4 | $3K | 0.50% |
| VARIOUS - SEE ATTACHED3 | C/O COLONIAL LIFE AND ACCIDENT P.O. BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87K | $2K | $90K | 31.27% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS. AGCY. | 1111 NORTH LOOP WEST, SUITE 400 HOUSTON, TX 77008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 5.20% |
| G SCOTT COOKE3 Filed as: SCOTT C. CASTEEL | 23862 CALLE GANADOR MISSION VIEJO, CA 92691 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.43% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC. | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.23% |
| VARIOUS - SEE ATTACHED3 | C/O COLONIAL LIFE AND ACCIDENT P.O. BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30K | $3K | $33K | 39.33% |
| VARIOUS - SEE ATTACHED3 | C/O COLONIAL LIFE AND ACCIDENT P.O. BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.18% |
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 | 695 | 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) | 695 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 350 | $2.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 373 | $148K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 373 | $148K |
| Life insurance(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 894 | $520K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 695 | $287K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 373 | $148K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 350 | $2.4M |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 894 | $520K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 894 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.