| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | $0 | $43K | 5.12% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | HEALTH NET | $35K | $0 | $35K | 6.91% |
| LOCKTON COMPANIES, LLC3 | 2 EMBARCADERO CENTER, SUITE 1700 SAN FRANCISCO, CA 94111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | $5K | $34K | 12.16% |
| JUDI JONES3 | 4583 HARMONY PLACE ROHNERT PARK, CA 94928 | AFLAC | $515 | $0 | $515 | 4.50% |
| JAYDA ZEMANSKY AND OTHER AGENTS3 | 1132 LAKEVILLE CIRCLE PETALUMA, CA 94954 | AFLAC | $318 | $0 | $318 | 2.78% |
| JAMES SPROUSE3 | 13122 MESA CREST PLACE SAN DIEGO, CA 92129 | AFLAC | $193 | $0 | $193 | 1.68% |
| MARK C. HUBER3 Filed as: MARK HUBER | 51 HOFF ROAD KENWOOD, CA 95409 | AFLAC | $170 | $0 | $170 | 1.48% |
| CHRIS KELLY3 | 252 WIKIUP MEADOWS DRIVE SANTA ROSA, CA 95403 | AFLAC | $111 | $0 | $111 | 0.97% |
| LOCKTON COMPANIES, LLC3 | 2 EMBARCADERO CENTER, SUITE 1700 SAN FRANCISCO, CA 94111 | AFLAC | $53 | $0 | $53 | 0.46% |
| DAVID B. KITCHEN3 Filed as: DAVID KITCHEN | 5230 HARTER LANE LA CANADA FLINTRIDGE, CA 91011 | AFLAC | $47 | $0 | $47 | 0.41% |
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 | 114 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 84 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $279K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $279K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $279K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $279K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $279K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 84 | $1.3M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.