| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $93K | $28K | $121K | 8.12% |
| AON CONSULTING INC5 Filed as: BSWIFT, LLC | PO BOX 860470 MINNEAPOLIS, MN 55486 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $37K | $37K | 2.51% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | RELIASTAR LIFE INSURANCE COMPANY | $37K | $0 | $37K | 11.81% |
| AON CONSULTING INC3 Filed as: BSWIFT, LLC | PO BOX 860470 MINNEAPOLIS, MN 55486 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $12K | $12K | 4.00% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 5.39% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | METLIFE INSURANCE COMPANY | $9K | $0 | $9K | 20.00% |
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 | 2,317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METLIFE INSURANCE COMPANY | 100 | $47K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,122 | $229K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,944 | $1.5M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,944 | $1.5M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,944 | $1.5M |
| Prescription drug | METLIFE INSURANCE COMPANY | 100 | $47K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 709 | $310K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,122 | — |
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.