| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | GHMSI | $150K | $53K | $204K | 4.74% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | AETNA LIFE INSURANCE COMPANY | $31K | — | $31K | 4.45% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $93K | $11K | $105K | 16.70% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | FEDERAL INSURANCE COMPANY | $45K | -$2K | $43K | 14.33% |
| DAVE KOPRIVETZ3 | 19800 MACARTHUR BLVD., SUITE 1250 IRVINE, CA 92612 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $26K | — | $26K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 19800 MACARTHUR BOULEVARD SUITE 550 IRVINE, CA 92612 | GBG HOLDINGS | $13K | — | $13K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | AETNA INTERNATIONAL | $7K | — | $7K | 6.04% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 5.71% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FOUR EVER LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 766 | 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) | 766 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | GHMSI | 1,040 | $5.2M |
| Dental(4 contracts, 4 carriers) | GHMSI | 1,040 | $5.2M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 281 | $819K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,551 | $933K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 778 | $627K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 778 | $627K |
| Prescription drug(2 contracts, 2 carriers) | GHMSI | 1,040 | $4.3M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 778 | $924K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,551 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.