| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $72K | $36K | $107K | 5.66% |
| LOCKTON COMPANIES, LLC3 | 14005 LIVE OAK AVENUE IRWINDALE, CA 91706 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $135K | $19K | $154K | 11.06% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | $4K | $43K | 3.09% |
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER SUITE 600 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | $24K | $0 | $24K | 2.10% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK INC. | 2122 KRATKY ROAD SAINT LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 10.45% |
| GARY M. VERBIN3 | 384 SUNFISH COURT FOSTER CITY, CA 94404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 5.23% |
| PAUL H. SCHERF JR.3 | 989 EAST HILLSDALE BOULEVARD SUITE 230 FOSTER CITY, CA 94404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 5.23% |
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER SUITE 600 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $95 | $12K | 8.39% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.08% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | HYATT LEGAL PLANS | $8K | $0 | $8K | 10.02% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | HYATT LEGAL PLANS | $0 | $1K | $1K | 1.58% |
| LOCKTON COMPANIES, LLC3 | 111 EAST KILBOURN AVENUE, SUITE 825 MILWAUKEE, WI 53202 | HYATT LEGAL PLANS | $0 | $883 | $883 | 1.16% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | HYATT LEGAL PLANS | $0 | $127 | $127 | 0.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | HYATT LEGAL PLANS | $0 | $75 | $75 | 0.10% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $308 | $308 | 2.70% |
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 | 1,479 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 192 | $1.1M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,365 | $1.9M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,365 | $1.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,479 | $1.4M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,479 | $1.4M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 192 | $1.1M |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,800 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,365 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.