| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN INS. ADMINISTRATORS | 721 SOUTH PARKER STREET, SUITE 300 ORANGE, CA 92868 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $3K | $9K | 7.20% |
| HANNAH ELIZABETH STROK3 | 520 210TH STREET SW LYNNWOOD, WA 98036 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.05% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.89% |
| LOCKTON COMPANIES, LLC3 | 444 47TH STREET, SUITE 900 KANSAS CTIY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORK AND BROWN INS. ADMINISTRATORS | 721 SOUTH PARKER STREET, SUITE 300 ORANGE, CA 92868 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $627 | $313 | $940 | 8.65% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $743 | — | $743 | 6.84% |
| HANNAH ELIZABETH STROK3 | 520 210TH STREET SW LYNNWOOD, WA 98036 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $698 | — | $698 | 6.43% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $111 | $111 | 1.02% |
| ANNE-MARIE C MAXE3 Filed as: ANNE-MARIE MAXE | 2032 CORTE DEL NOGAL, SUITE 100 CARLSBAD, CA 92011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $335 | — | $335 | 14.53% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE LA JOLLA, CA 92037 | UNITED HEALTHCARE OF CALIFORNIA | $53 | — | $53 | 7.03% |
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 | 245 | 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) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE OF CALIFORNIA | 100 | $754 |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 575 | $133K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 575 | $122K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 66 | $2K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 66 | $2K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 66 | $2K |
| Prescription drug(3 contracts, 3 carriers) | UNITED HEALTHCARE OF CALIFORNIA | 100 | $754 |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 66 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 575 | — |
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.
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.