| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | $6K | $29K | 4.12% |
| HIXME INSURANCE SOLUTIONS, INC.3 | 27489 AGOURA ROAD, SUITE 100 AGOURA HILLS, CA 91301 | UNITEDHEALTHCARE INSURANCE COMPANY | -$51 | $0 | -$51 | -0.01% |
| MJ INSURANCE3 Filed as: MICHAEL RINKE AND VARIOUS AGENTS | PO BOX 1116 CAMARILLO, CA 93011 | AFLAC | $11K | $449 | $12K | 8.90% |
| MJR INSURANCE SERVICES LLC3 | 7349 PONCE AVENUE WEST HILLS, CA 91307 | AFLAC | $6K | $426 | $7K | 5.05% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | AFLAC | $5K | $0 | $5K | 3.88% |
| TERESA ZAMUDIO CONTRERAS3 | 1712 CHEYENNE WAY MODESTO, CA 95356 | AFLAC | $3K | $189 | $3K | 2.58% |
| RENEE SUZANNE CORSO3 Filed as: RENEE CORSO | 5805 SEPULVEDA BOULEVARD SUITES 700 AND 740 SHERMAN OAKS, CA 91411 | AFLAC | $2K | $88 | $2K | 1.39% |
| WILLIAM ANDREWS3 | 5805 SEPULVEDA BOULEVARD, SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $2K | $0 | $2K | 1.26% |
| HIXME INSURANCE SOLUTIONS, INC.3 | 27489 AGOURA ROAD, SUITE 100 AGOURA HILLS, CA 91301 | AFLAC | $1K | $0 | $1K | 0.95% |
| LOCKTON COMPANIES, LLC | DEPARTMENT LA 23940 PASADENA, CA 91185 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 11.39% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | BLUE CROSS OF CALIFORNIA | $169 | $4 | $173 | 23.04% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 175 | $706K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 179 | $18K |
| Short-term disability | BLUE CROSS OF CALIFORNIA | 10 | $751 |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 10 | $751 |
| Prescription drug(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 175 | $706K |
| Other | AFLAC | 162 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.