| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION, SUITE 700 DENVER, CO 80237 | BLUE CROSS OF CALIFORNIA | $282K | $20K | $302K | 3.74% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES, INC. | 130 THEORY STREET, SUITE 200 IRVINE, CA 92617 | BLUE CROSS OF CALIFORNIA | $10K | $65K | $75K | 0.93% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | KAISER FOUNDATION HEALTH PLAN INC | $137K | $0 | $137K | 4.25% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES, INC. | 130 THEORY STREET, SUITE 200 IRVINE, CA 92617 | KAISER FOUNDATION HEALTH PLAN INC | $522 | $0 | $522 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT PARK, SUITE 510 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 28.61% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | ARAG INSURANCE COMPANY | $927 | $0 | $927 | 10.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BEECHER CARLSON INSURANCE SERVICES | 4960 SOUTH GILBERT ROAD SUITE 1-494 CHANDLER, AZ 85249 | ACE AMERICAN INSURANCE COMPANY | $520 | $0 | $520 | 14.99% |
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 | 761 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 791 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,265 | $11.3M |
| Dental | BLUE CROSS OF CALIFORNIA | 1,265 | $8.1M |
| Vision | VISION SERVICE PLAN | 700 | $81K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 1,265 | $8.1M |
| Short-term disability | BLUE CROSS OF CALIFORNIA | 1,265 | $8.1M |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 1,265 | $8.1M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,265 | $11.3M |
| Other(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 1,265 | $8.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,265 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.