| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | $0 | $43K | 5.64% |
| AMWINS3 Filed as: AMWINS CONNECT INS. SERVICES, LLC | 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $0 | $17K | 2.26% |
| LOCKTON COMPANIES, LLC3 | PO BOX 23940 PASADENA, CA 91185 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 0.78% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN, INC. | $21K | $0 | $21K | 4.97% |
| LOCKTON COMPANIES, LLC3 | 635 BROADWAY, SUITE 100 SONOMA, CA 95476 | UNITED CONCORDIA INSURANCE COMPANY | $11K | $0 | $11K | 13.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMINISTRATION INC | UNKNOWN ORANGE, CA 92868 | UNITED CONCORDIA INSURANCE COMPANY | $6K | $4K | $10K | 11.98% |
| LOCKTON COMPANIES, LLC3 | 400 CAPITOL MALL, SUITE 2600 SACRAMENTO, CA 95814 | AMERITAS LIFE INSURANCE CORPORATION | $712 | $0 | $712 | 5.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $489 | $489 | 3.43% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 142 | $1.2M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 234 | $82K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 231 | $14K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 142 | $765K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 142 | $765K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.