| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 635 BROADWAY, SUITE 100 SONOMA, CA 95476 | UNITEDHEALTHCARE INSURANCE COMPANY | $143K | $0 | $143K | 3.35% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FUGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $28K | $28K | 0.65% |
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI AND ASSOC. INS, SVS. INC. | 5250 NORTH PALM AVENUE, SUITE 403 FRESNO, CA 93704 | UNITEDHEALTHCARE INSURANCE COMPANY | $31 | $0 | $31 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FUGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | COMMUNITY CARE HEALTH | $73K | $0 | $73K | 3.39% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | STANDARD INSURANCE COMPANY | $12K | $0 | $12K | 2.49% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | STANDARD INSURANCE COMPANY | $0 | $6K | $6K | 1.30% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.80% |
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 | 594 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | 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)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 736 | $6.4M |
| Vision | VISION SERVICE PLAN | 556 | $77K |
| Life insurance | STANDARD INSURANCE COMPANY | 580 | $499K |
| Long-term disability | STANDARD INSURANCE COMPANY | 580 | $499K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 736 | $6.4M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 616 | $515K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 736 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.