| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE SHIELD OF CALIFORNIA | $0 | $232K | $232K | 3.63% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | STANDARD INSURANCE COMPANY | $31K | $55K | $86K | 13.44% |
| LOCKTON COMPANIES, LLC3 | TWO EMBARCADERO CENTER, 17TH FLOOR SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 0.51% |
| PAYLOCITY CORPORATION3 | PO BOX 711, SUITE C5 PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | $0 | $357 | $357 | 0.06% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.94% |
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 | 593 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 873 | $6.4M |
| Vision | VISION SERVICE PLAN | 499 | $77K |
| Life insurance | STANDARD INSURANCE COMPANY | 678 | $639K |
| Short-term disability | STANDARD INSURANCE COMPANY | 678 | $639K |
| Long-term disability | STANDARD INSURANCE COMPANY | 678 | $639K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 873 | $6.4M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 678 | $640K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 873 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.