| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | BLUE CROSS OF CALIFORNIA | $82K | $2K | $84K | 5.38% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN, INC. | $62K | $0 | $62K | 6.02% |
| LOCKTON COMPANIES, LLC3 | 65 MEMORIAL ROAD, SUITE C100 WEST HARTFORD, CT 06107 | ANTHEM LIFE INSURANCE COMPANY | $14K | $0 | $14K | 24.44% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: BOLTON AND COMPANY | PO BOX 6030 PASADENA, CA 91102 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $42 | $0 | $42 | 4.22% |
| PATRICIA SWANSON4 | 5153 WEST CARAGANA STREET MERIDIAN, ID 83646 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $36 | $0 | $36 | 3.61% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 217 | $2.6M |
| Dental | BLUE CROSS OF CALIFORNIA | 217 | $1.6M |
| Vision | BLUE CROSS OF CALIFORNIA | 217 | $1.6M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 221 | $57K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 221 | $57K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 221 | $57K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 217 | $2.6M |
| Other(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 221 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.