| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | HCC LIFE INSURANCE COMPANY | $8K | — | $8K | 12.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 725 S FIGUEROA STREET FL 35 LOS ANGELES, CA 90017 | VISION SERVICE PLAN | $2K | — | $2K | 3.73% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 725 S FIGUEROA STREET FL 35 LOS ANGELES, CA 90017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 16.41% |
| WOODRUFF-SAWYER & CO3 | 220 BUSH ST 7TH FLOOR SAN FRANCISCO, CA 94104 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 14.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2 EMBARCADERO CENTER STE 1700 SAN FRANCISCO, CA 94111 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.62% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 725 S FIGUEROA STREET FL 35 LOS ANGELES, CA 90017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $550 | $550 | 3.35% |
| WOODRUFF-SAWYER & CO3 | 220 BUSH ST 7TH FLOOR SAN FRANCISCO, CA 94104 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 13.91% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2 EMBARCADERO CENTER STE 1700 SAN FRANCISCO, CA 94111 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 725 S FIGUEROA STREET FL 35 LOS ANGELES, CA 90017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $154 | $154 | 3.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT & RISK MANAGEMENT SERVICES, EIN 68-0306908 | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | 80 IRON POINT CIRCLE SUITE 200 FOLSOM, CA 95630 | $242K |
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 | Claims processing; Float revenue; Contract Administrator; Other services Service code 12 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $109K |
| MOSS ADAMS LLP EIN 91-0189318 | Accounting (including auditing); Direct payment from the plan Service code 10 | 2882 PROSPECT PARK DRIVE STE 300 RANCHO CORDOVA, CA 95670 | $22K |
| WEST HEALTH ADVOCATE SOLUTIONS, INC EIN 23-3080019 | Contract Administrator; Direct payment from the plan Service code 13 | 11808 MIRACLE HILLS DRIVE OMAHA, NE 68154 | $13K |
| MAXOR PLUS EIN 75-2676894 | Contract Administrator; Direct payment from the plan Service code 13 | 320 SOUTH POLK STREET STE 200 AMARILLO, TX 79101 | $10K |
| IGOE ADMINISTRATIVE SERVICES EIN 95-3391660 | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | P O BOX 501480 SAN DIEGO, CA 92150 | $7K |
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 | 486 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | VISION SERVICE PLAN | 312 | $64K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 495 | $16K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 352 | $755K |
| Other(6 contracts, 3 carriers) | HCC LIFE INSURANCE COMPANY | 495 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.