| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CALIFORNIA PHYSICIANS SERVICE | $0 | $113K | $113K | 5.44% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $87 | $11K | 9.09% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.72% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | HARTFORD LIFE AND ACCIDENT | $17K | $0 | $17K | 16.42% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 1.51% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $562 | $0 | $562 | 2.13% |
| MICHELLE ANN DERAS3 | PO BOX 365 WEST COVINA, CA 91793 | CONTINENTAL AMERICAN INSURANCE COMPANY | $427 | $0 | $427 | 1.62% |
| RENEE SUZANNE CORSO3 | 2206 NORTH LAMER STREET BURBANK, CA 91504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $332 | $0 | $332 | 1.26% |
| RUBEN ROSA3 | 933 LEE ROAD, SUITE 200 ORLANDO, FL 32810 | CONTINENTAL AMERICAN INSURANCE COMPANY | $174 | $0 | $174 | 0.66% |
| MICHELLE BARBARA COSTA3 | 8117 WEST 4TH STREET LOS ANGELES, CA 90048 | CONTINENTAL AMERICAN INSURANCE COMPANY | $159 | $0 | $159 | 0.60% |
| JOHN MICHAEL KUNZ3 | 528 BLACKFIELD COPPELL, TX 75019 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | $0 | $64 | 0.24% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 LA JOLLA, CA 91185 | CALIFORNIA DENTAL NETWORK, INC. | $963 | $0 | $963 | 10.00% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 359 | $2.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 454 | $134K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 454 | $124K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 208 | $103K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 208 | $103K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 359 | $2.1M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 208 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.