| 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 | $87K | $45K | $132K | 11.36% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | BCS INSURANCE COMPANY | $39K | — | $39K | 15.00% |
| PLANNED ADMINISTRATORS, INC.5 Filed as: PLANNED ADMINISTRATION | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLUMIBA, SC 29203 | BCS INSURANCE COMPANY | $0 | $37K | $37K | 14.50% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | RELIASTAR LIFE INSURANCE COMPANY | $24K | $5K | $29K | 11.87% |
| AON CONSULTING INC3 Filed as: BSWIFT | PO BOX 860470 MINNEAPOLIS, MN 55486 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $10K | $10K | 4.00% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 4.57% |
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 | 1,922 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,949 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCS INSURANCE COMPANY | 220 | $258K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,464 | $169K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 876 | $1.2M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 876 | $1.2M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 876 | $1.2M |
| Prescription drug | BCS INSURANCE COMPANY | 220 | $258K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 679 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,464 | — |
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.