| 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 | $79K | — | $79K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | RELIASTAR LIFE INSURANCE COMPANY | $80K | — | $80K | 38.54% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | RELIASTAR LIFE INSURANCE COMPANY | — | $7K | $7K | 3.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANES, LLC | 19800 MACARTHUR BOULEVARD SUITE 1250 IRVINE, CA 92612 | BCS INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 4.51% |
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 | 1,388 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 609 | $328K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,061 | $108K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 843 | $792K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 843 | $792K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 843 | $792K |
| Prescription drug | BCS INSURANCE COMPANY | 129 | $120K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 9,050 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,050 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.