| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | AETNA LIFE INSURANCE COMPANY | $47K | $21K | $69K | 6.70% |
| WINSTON FINANCIAL SERVICE INC.3 | 2399 HIGHWAY 34 MANASQUAN, NJ 08736 | AETNA LIFE INSURANCE COMPANY | $38K | $0 | $38K | 3.73% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 1.78% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $5K | $19K | 8.09% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 4.08% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | SIMNSA | $7K | $0 | $7K | 7.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY | $175 | $0 | $175 | 6.31% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 LA JOLLA, CA 91185 | UNUM LIFE INSURANCE COMPANY | $58 | $0 | $58 | 2.09% |
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 | 2,574 | 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) | 2,601 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIMNSA | 32 | $97K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,802 | $1.1M |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,802 | $1.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,224 | $239K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,224 | $239K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,224 | $239K |
| Prescription drug | SIMNSA | 32 | $97K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 2,224 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,224 | — |
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.