| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS OF CALIFORNIA | $192K | $0 | $192K | 5.24% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SERVICES LLC | 55 2ND STREET, 18TH FLOOR SAN FRANCISCO, CA 94105 | BLUE CROSS OF CALIFORNIA | $40 | $0 | $40 | 0.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | BLUE CROSS OF CALIFORNIA | -$34 | $0 | -$34 | -0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | KAISER FOUNDATION HEALTH PLAN, INC. | $61K | $0 | $61K | 4.93% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN, INC. | $0 | $759 | $759 | 0.06% |
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE, SUITE 140A PEMBROKE PINES, FL 33027 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $70 | $19K | 5.87% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.03% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $13 | $3K | $3K | 1.02% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $65 | $65 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $44K | $0 | $44K | 15.17% |
| ENROLLMENT ALLIANCE LLC5 | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $16K | $16K | 5.42% |
| LOCKTON COMPANIES, LLC3 | UNKNOWN EMERYVILLE, CA 94608 | CONCERN HEALTH | $563 | $0 | $563 | 5.00% |
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 | 416 | 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) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 437 | $4.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 551 | $316K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 551 | $316K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 416 | $288K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 416 | $288K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 416 | $288K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 437 | $4.9M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 416 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.