| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | UNITEDHEALTHCARE INSURANCE COMPANY | $142K | — | $142K | 5.28% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANES, LLC | 7300 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66210 | RELIASTAR LIFE INSURANCE COMPANY | $21K | $2K | $23K | 22.05% |
| TRANSCEND TECHNOLOGIES GROUP, INC.3 Filed as: TRANSCEND TECHNOLOGIES GROUP | 3101 ZINFANDEL DRIVE, SUITE 200 RANCHO CORDOVA, CA 95670 | RELIASTAR LIFE INSURANCE COMPANY | — | $4K | $4K | 4.00% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $96 | $3K | 11.79% |
| ANNE-MARIE C MAXE3 Filed as: ANNE-MARIE C. MAXE | 2032 CORTE DEL NOGAL, SUITE 100 CARLSBAD, CA 92011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $982 | — | $982 | 3.63% |
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 | 400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 986 | $2.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 986 | $2.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 986 | $2.7M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 78 | $27K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 78 | $27K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 78 | $27K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 986 | $2.7M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 371 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 986 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.