| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | BLUE CROSS OF CALIFORNIA | $153K | — | $153K | 3.78% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST, STE 900 KANSAS CITY, MO 64112 | BLUE CROSS OF CALIFORNIA | $32K | — | $32K | 0.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN INC | $16K | — | $16K | 2.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 777 S FIGUEROA ST, STE 5200 LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN INC | $15K | — | $15K | 2.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 777 S FIGUEROA ST, STE 5200 LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 0.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | ARMADACARE | $4K | — | $4K | 0.74% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT LA 23940 PASADENA, CA 91185 | ARMADACARE | $2K | — | $2K | 0.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | — | $25K | 6.29% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEP0 LA 23940 PASADENA, CA 24447 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 0.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 6.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT LA 23940 PASADENA, CA 91185 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $440 | $2K | 1.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | VISION SERVICE PLAN | $3K | — | $3K | 3.18% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $535 | — | $535 | 0.54% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFITS | 3550 CAMINO DEL DEL RIO N SAN DIEGO, CA 92108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $374 | $11K | 15.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT LA 23940 PASADENA, CA 91185 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $346 | $3K | 4.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $1 | $1K | 1.58% |
| EMPYREAN BENEFITS3 Filed as: EMPYREAN INSURANCE SVCS INC | 3010 BRIARPARK DRIVE, SUITE 500 HOUSTON, TX 77042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41 | — | $41 | 0.06% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFITS | 3550 CAMINO DEL RIO N, SUITE 207 SAN DIEGO, CA 92108 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $302 | $9K | 14.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT LA 23940 PASADENA, CA 91185 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $281 | $4K | 6.83% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD OVERLAND, SC 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $454 | — | $454 | 0.69% |
| EMPYREAN BENEFITS3 Filed as: EMPYREAN INSURANCE SVCS INC | 3010 BRIARPARK DRIVE HOUSTON, TX 77042 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $226 | — | $226 | 0.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $365 | $3K | 14.10% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT LA 23940 PASADENA, CA 91185 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $488 | $65 | $553 | 2.51% |
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 | 1,651 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 314 | $5.8M |
| Dental(2 contracts, 2 carriers) | ARMADACARE | 492 | $920K |
| Vision(2 contracts, 2 carriers) | ARMADACARE | 421 | $625K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,651 | $221K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 160 | $66K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,651 | $134K |
| Prescription drug(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 314 | $5.8M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,651 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,651 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.