| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | UNITED HEALTHCARE INSURANCE COMPANY | $316K | — | $316K | 4.00% |
| LOCKTON COMPANIES, LLC3 | 19800 MACARTHUR BOUELVARD SUITE 550 IRVINE, CA 92612 | UNITED HEALTHCARE INSURANCE COMPANY | — | $100 | $100 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | DELTA DENTAL OF CALIFORNIA | $26K | — | $26K | 4.87% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $52K | — | $52K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE SAINT LOUIS, MO 63141 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | EYEMED VISION CARE | $9K | — | $9K | 10.00% |
| FLEXVISION3 | 15400 CALHOUN DRIVE, SUITE 125 ROCKVILLE, MD 20855 | EYEMED VISION CARE | $4K | — | $4K | 5.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 92643 LOS ANGELES, CA 90009 | PRINCIPAL LIFE INSURANCE COMPANY | $525 | — | $525 | 9.58% |
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 | 881 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 893 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,795 | $7.9M |
| Dental | DELTA DENTAL OF CALIFORNIA | 1,822 | $539K |
| Vision | EYEMED VISION CARE | 1,791 | $88K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 963 | $495K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 10 | $5K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 963 | $495K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 1,795 | $7.9M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 963 | $495K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,822 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.