| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET LOS ANGELES, CA 90017 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $28K | $28K | 0.40% |
| LOCKTON COMPANIES, LLC3 | 635 BROADWAY, SUITE 100 SONOMA, CA 95476 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $135 | $135 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WESTERN ELECTRICAL CONTRACTORS ASSO EIN 94-0453910 ADMIN SERVICES | Contract Administrator Service code 13 | — | $122K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 BROKER | Contract Administrator Service code 13 | — | $116K |
| CAPFINANCIAL PARTNERS LLC EIN 26-0058143 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | — | $27K |
| GILBERT ASSOCIATES INC. EIN 68-0037990 AUDIT/TAX SERVICES | Accounting (including auditing) Service code 10 | — | $24K |
| ISOLVED, INC. EIN 38-2976613 ADMIN SERVICES | Contract Administrator Service code 13 | — | $15K |
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 | 1,033 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 50 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,083 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,389 | $7.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,389 | $7.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,389 | $7.0M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,389 | $7.0M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,389 | $7.0M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,389 | $7.0M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,389 | $7.0M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 1,389 | $7.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,389 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.