| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | UNITEDHEALTHCARE INSURANCE COMPANY | $245K | $0 | $245K | 4.97% |
| LOCKTON COMPANIES, LLC3 | 6304 BENJAMIN ROAD, SUITE 503 TAMPA, FL 33634 | HARTFORD LIFE AND ACCIDENT | $44K | $0 | $44K | 9.80% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE, SUITE 201 CLIFTON, NJ 07013 | HARTFORD LIFE AND ACCIDENT | $915 | $0 | $915 | 0.20% |
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | DELTA DENTAL OF NEW JERSEY, INC. | $18K | $0 | $18K | 5.00% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | GENWORTH LIFE INSURANCE COMPANY | $57K | $0 | $57K | 19.67% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE, SUITE 201 CLIFTON, CA 07013 | GENWORTH LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.79% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | METROPOLITAN GENERAL INSURANCE COMPANY | $924 | $49 | $973 | 13.98% |
| GIS NATIONAL3 | 9500 KOGER AVENUE, SUITE 200 ST PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $275 | $0 | $275 | 11.75% |
| LOCKTON COMPANIES, LLC | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | METLIFE LEGAL PLANS | $234 | $0 | $234 | 10.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201, BLDG I, SUITE 200 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | $0 | $118 | $118 | 5.04% |
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 | 303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 672 | $4.9M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 583 | $355K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 303 | $446K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 303 | $446K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 303 | $446K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 672 | $4.9M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 325 | $745K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 672 | — |
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.