| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $65K | $0 | $65K | 2.15% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 76201 | STANDARD INSURANCE COMPANY | $82K | $29K | $111K | 17.17% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CALIFORNIA PHYSICIANS' SERVICE | $19K | $0 | $19K | 7.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN, INSURANCE ADMIN | 701 SOUTH PARKER STREET, 8TH FLOOR ORANGE, CA 92868 | CALIFORNIA PHYSICIANS' SERVICE | $14K | $0 | $14K | 5.00% |
| DANIEL LEARY3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CAPITAL HEALTH PLAN | $2K | $0 | $2K | 4.00% |
| CHARLES N. CRAVINGS JR3 Filed as: CHARLES N. CRAVINGS, JR. | 1467 WEST 49TH STREET LOS ANGELES, CA 90062 | AFLAC | $3K | $265 | $3K | 17.16% |
| DAVID HERNANDEZ3 | 2239 WEST 190TH STREET TORRANCE, CA 90504 | AFLAC | $687 | $62 | $749 | 4.19% |
| DAVID HOWARD CARPENTER3 | 22850 CRENSHAW BOULEVARD SUITE 203 TORRANCE, CA 90505 | AFLAC | $529 | $0 | $529 | 2.96% |
| CHRISTIAN A. CULLINAN3 | 11501 HATTERAS STREET, UNIT 5 NORTH HOLLYWOOD, CA 91601 | AFLAC | $143 | $0 | $143 | 0.80% |
| TALHA ZAQUIR RAHMAN3 | 10973 PRESCOTT DRIVE FRISCO, TX 75033 | AFLAC | $128 | $0 | $128 | 0.72% |
| ABEL A. DELUNA3 | 1270 WEST 39TH STREET APARTMENT 5 LOS ANGELES, CA 90037 | AFLAC | $8 | $0 | $8 | 0.04% |
| JIM FRENCH3 | 220 SOUTH KING STREET, SUITE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $431 | $0 | $431 | 2.90% |
| UNKNOWN3 | UNKNOWN DES PERES, MO 63131 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $906 | $0 | $906 | 15.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $115 | $0 | $115 | 6.98% |
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 | 526 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 601 | $3.4M |
| Dental(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 526 | $939K |
| Vision(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 526 | $939K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 526 | $651K |
| Short-term disability | STANDARD INSURANCE COMPANY | 526 | $649K |
| Long-term disability | STANDARD INSURANCE COMPANY | 526 | $649K |
| Prescription drug(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 77 | $342K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 526 | $669K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 601 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.