| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 49315 SAN JOSE, CA 94315 | KAISER FOUNDATION HEALTH PLAN INC | $33K | — | $33K | 2.20% |
| LOCKTON COMPANIES, LLC3 | 2 EMBARCADERO CENTER, SUITE 1700 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 1.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | KAISER FOUNDATION HEALTH PLAN INC | — | $2K | $2K | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | KAISER FOUNDATION HEALTH PLAN INC | -$15K | — | -$15K | -1.03% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $142K | $16K | $158K | 16.67% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $4K | — | $4K | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | — | $3K | $3K | 0.91% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $4K | — | $4K | 2.02% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK, INC. | 2122 KRATKY ROAD SAINT LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $29 | $15K | 10.00% |
| GARY M. VERBIN3 | 384 SUNFISH COURT FOSTER CITY, CA 94404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 4.99% |
| PAUL H. SCHERF JR.3 | 950 TOWER LANE, SUITE 1000 FOSTER CITY, CA 94404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 4.99% |
| LOCKTON COMPANIES, LLC3 | 2 EMBARCADERO CENTER, SUITE 1700 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $104 | $10K | 10.30% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.30% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | HYATT LEGAL PLANS | $12K | — | $12K | 14.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 101 LARKSPUR LANDING CIRCLE SUITE 120 LARKSPUR, CA 94939 | HYATT LEGAL PLANS | — | $2K | $2K | 2.03% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HYATT LEGAL PLANS | — | $238 | $238 | 0.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | HYATT LEGAL PLANS | — | $41 | $41 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | HYATT LEGAL PLANS | -$4K | — | -$4K | -4.64% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | -$107 | -$107 | -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 | 1,375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 259 | $1.8M |
| Vision | VISION SERVICE PLAN | 1,299 | $178K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,375 | $945K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,375 | $945K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 259 | $1.8M |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,375 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,375 | — |
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.