| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | MVP HEALTHCARE | $173K | $0 | $173K | 1.87% |
| AFIS BENEFITS AND INS. SERVICES3 Filed as: AFIS BENEFITS AND INS SERVICES | UNKNOWN PLEASANTON, CA 94588 | MVP HEALTHCARE | $88K | $0 | $88K | 0.95% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $45K | $45K | 1.70% |
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 609 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $95 | $35K | 1.32% |
| UBF INSURANCE SERVICES, INC.3 Filed as: UBF INSURANCE SERVICES INC | 2033 NORTH MAIN STREET, SUITE 700 WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $0 | $17K | 0.64% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $131K | $0 | $131K | 7.84% |
| UBF INSURANCE SERVICES, INC.3 Filed as: UBF CONSULTING INC. | 2033 NORTH MAIN STREET, SUITE 700 WALNUT CREEK, CA 94596 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $36K | $0 | $36K | 2.15% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION, SUITE 700 DENVER, CO 80237 | BLUE CROSS OF CALIFORNIA | $19K | $0 | $19K | 1.36% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | BLUE CROSS OF CALIFORNIA | $19K | $0 | $19K | 1.36% |
| UBF INSURANCE SERVICES, INC.3 Filed as: UBF INSURANCE SERVICES INC | 2033 NORTH MAIN STREET, SUITE 700 WALNUT CREEK, CA 94596 | BLUE CROSS OF CALIFORNIA | $14K | $0 | $14K | 0.96% |
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | $37K | $0 | $37K | 3.05% |
| UBF INSURANCE SERVICES, INC.3 Filed as: UBF INSURANCE SERVICES INC | 2033 NORTH MAIN STREET, SUITE 700 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC | $15K | $0 | $15K | 1.27% |
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $5K | $0 | $5K | 2.23% |
| UBF INSURANCE SERVICES, INC.3 Filed as: UBF CONSULTING INC. | 2033 NORTH MAIN STREET, SUITE 700 WALNUT CREEK, CA 94596 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 0.82% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.82% |
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 609 SAN FRANCISCO, CA 94111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 11.74% |
| ALAN FONG INSURANCE SERVICES3 Filed as: ALAN D. FONG | 2033 NORTH MAIN STREET, SUITE 700 WALNUT CREEK, CA 94596 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.18% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.33% |
| UBF INSURANCE SERVICES, INC.3 Filed as: UBF INSURANCE SERVICES INC | 2033 NORTH MAIN STREET, SUITE 700 WALNUT CREEK, CA 94596 | VISION SERVICE PLAN | $359 | $0 | $359 | 1.03% |
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 | 2,451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 95 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | MVP HEALTHCARE | 1,718 | $12.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,084 | $2.8M |
| Vision(3 contracts, 3 carriers) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 5,553 | $398K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,451 | $1.7M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,451 | $1.7M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,451 | $1.7M |
| Prescription drug(4 contracts, 4 carriers) | MVP HEALTHCARE | 1,718 | $12.0M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,451 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,553 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.