| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | BLUE CROSS OF CALIFORNIA | $198K | $3K | $202K | 3.26% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | UNITEDHEALTHCARE INSURANCE COMPANY | $65K | $0 | $65K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN INS. ADMINISTRATORS | 721 SOUTH PARKER STREET, SUITE 300 ORANGE, CA 92868 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $0 | $26K | 2.00% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 0.12% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $3K | $11K | 6.14% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 10.39% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.32% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | $0 | $4K | 6.62% |
| IMA, INC.3 Filed as: IMA OF COLORADO, INC. | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | -$2K | $0 | -$2K | -3.78% |
| MS BENEFITS3 Filed as: MS BENEFITS, LLC | 100 CHALLENGER ROAD, SUITE 400 RIDGEFIELD PARK, NJ 07660 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 25.56% |
| MS BENEFITS3 Filed as: MS BENEFITS, LLC | 100 CHALLENGER ROAD, SUITE 400 RIDGEFIELD PARK, NJ 07660 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 46.10% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET 52ND FLOOR LOS ANGELES, CA 90017 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $129 | $6K | 20.22% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $90 | $90 | 0.32% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6 | $6 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | METROPOLITAN LIFE INSURANCE COMPANY | -$7K | $0 | -$7K | -23.91% |
| MS BENEFITS3 Filed as: MS BENEFITS, LLC | 100 CHALLENGER ROAD, SUITE 400 RIDGEFIELD PARK, NJ 07660 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 39.10% |
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 | 2,087 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 60 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 552 | $7.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $182K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 868 | $237K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,120 | $297K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,120 | $297K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 552 | $7.5M |
| Other(6 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 2,120 | $6.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,120 | — |
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."
No prospect flags tripped on this filing.