| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90071 | KAISER FOUNDATION HEALTH PLAN, INC. | $124K | $0 | $124K | 1.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN AND ASSOCIATES | 2355 CRENSHAW BOULEVARD, SUITE 200 TORRANCE, CA 90501 | KAISER FOUNDATION HEALTH PLAN, INC. | $246 | $0 | $246 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90071 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $175K | $0 | $175K | 15.61% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 1.19% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $311 | $311 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN AND ASSOCIATES | 2355 CRENSHAW BOULEVARD, SUITE 200 TORRANCE, CA 90501 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | -$87 | $0 | -$87 | -0.01% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | METLIFE LEGAL PLANS | $5K | $111 | $5K | 7.43% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METLIFE LEGAL PLANS | $0 | $915 | $915 | 1.45% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | $0 | $229 | $229 | 0.36% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | $0 | $190 | $190 | 0.30% |
| LOCKTON COMPANIES, LLC3 | PO BOX 60000 SAN FRANCISCO, CA 94160 | METLIFE LEGAL PLANS | $0 | $127 | $127 | 0.20% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | METLIFE LEGAL PLANS | $0 | $57 | $57 | 0.09% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | METLIFE LEGAL PLANS | $0 | $6 | $6 | 0.01% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $0 | $2K | 8.02% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $675 | $675 | 2.55% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $163 | $163 | 0.62% |
| LOCKTON COMPANIES, LLC3 | PO BOX 60000 SAN FRANCISCO, CA 94160 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $127 | $127 | 0.48% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET 52ND FLOOR LOS ANGELES, CA 90071 | METROPOLITAN LIFE INSURANCE COMPANY | $168 | $254 | $422 | 20.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN AND ASSOCIATES | 2355 CRENSHAW BOULEVARD, SUITE 200 TORRANCE, CA 90501 | METROPOLITAN LIFE INSURANCE COMPANY | $37 | $0 | $37 | 1.81% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $22 | $22 | 1.07% |
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 | 1,409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 919 | $7.9M |
| Vision | KAISER FOUNDATION HEALTH PLAN, INC. | 919 | $7.9M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,409 | $1.1M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,409 | $1.1M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,409 | $1.1M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 919 | $7.9M |
| Other(5 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,252 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,252 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.