| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $131K | $131K | 4.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 777 SOUTH FIGUEROA STREET LOS ANGELES, CA 90017 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $8K | $8K | 0.29% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | TWO EMBARCADERO CENTER SUITE 1700 SAN FRANCISCO, CA 94111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $89K | $81K | $170K | 22.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | ONE INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 3.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN, INC. | $8K | $0 | $8K | 3.92% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 155 NORTH WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | $0 | $2K | 0.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | $0 | $2K | 3.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 155 NORTH WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN, INC. | $470 | $0 | $470 | 0.86% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 3 EMBARCADERO CENTER SUITE 600 SAN FRANCISCO, CA 94111 | METLIFE LEGAL PLANS | $711 | — | $711 | 7.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $277 | $0 | $277 | 2.87% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | METLIFE LEGAL PLANS | $0 | $99 | $99 | 1.03% |
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 | 328 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 528 | $3.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 334 | $741K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 334 | $741K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 334 | $741K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 334 | $741K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 334 | $741K |
| Prescription drug(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 528 | $3.1M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 334 | $750K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 528 | — |
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.