| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 777 S FIGUEROA ST FL 52 LOS ANGELES, CA 900175800 | METROPOLITAN LIFE INS CO | $8K | $73 | $8K | 1.25% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INS CO | $5K | $61 | $5K | 0.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 ATTN TELLYE H KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INS CO | $0 | $2K | $2K | 0.30% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INS CO | $0 | $2K | $2K | 0.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX 28852 P O BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 7.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC | PO BOX 28852 NEW YORK, NY 100878852 | FIRST RELIANCE - NY | $3K | $123 | $3K | 7.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 777 S FIGUEROA ST FL 52 LOS ANGELES, CA 900175800 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $73 | $73 | 0.97% |
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 | 666 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 707 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH NORTHERN CALIFORNIA | 586 | $407K |
| Dental | METROPOLITAN LIFE INS CO | 1,194 | $659K |
| Vision | VISION SERVICE PLAN | 498 | $97K |
| Life insurance | METROPOLITAN LIFE INS CO | 1,194 | $659K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INS CO | 1,194 | $697K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 353 | $85K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH NORTHERN CALIFORNIA | 26 | $399K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INS CO | 1,194 | $671K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,194 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.