| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DUNNING SERIES DEPT 3042 P.O. BOX 123042 DALLAS, TX 753123042 | CIGNA HEALTH AND LIFE INSURANCE CO. AND AFFILIATES | — | $13K | $13K | 0.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONA | 1350 TREAT BLVD, SUITE 550 WALNUT CREEK, CA 94597 | UNUM | $15K | — | $15K | 5.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONA | 230 W. MONROE STREET CHICAGO, IL 60606 | UNUM | — | $2K | $2K | 0.84% |
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 | 425 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 466 | $6.2M |
| Dental | DELTA DENTAL OF CALIFORNIA | 424 | $430K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 308 | $3.7M |
| Life insurance | UNUM | 476 | $280K |
| Long-term disability | UNUM | 476 | $280K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 308 | $3.7M |
| Other(2 contracts, 2 carriers) | UNUM | 476 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 476 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.