| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY | $70K | $22K | $92K | 4.69% |
| LOCKTON COMPANIES, LLC3 | TWO EMABARCADERO CENTER, SUITE 1700 SAN FRANCISCO, CA 94111 | AETNA LIFE INSURANCE COMPANY | $46K | $3K | $48K | 2.47% |
| CLARITY BENEFIT CONSULTING LLC3 Filed as: CLARITY BENEFIT CONSULTING, LLC | 1120 SANCTUARY PARKWAY, SUITE 375 ALPHARETTA, GA 30009 | AETNA LIFE INSURANCE COMPANY | $38K | — | $38K | 1.94% |
| LOCKTON COMPANIES, LLC3 | TWO EMBARCADERO CENTER, SUITE 1700 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $104 | $20K | 1.70% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 1.03% |
| MML INSURANCE AGENCY LLC3 Filed as: MML INSURANCE AGENCY, LLC | PO BOX 8089 BOSTON, MA 02266 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $478 | $3K | 0.25% |
| PETER LIZOTTE3 | 4601 WILSHIRE BOULEVARD, SUITE 200 LOS ANGELES, CA 90010 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.23% |
| LPL FINANCIAL CORP3 Filed as: LPL FINANCIAL CORPORATION | 4707 EXECUTIVE DRIVE SAN DIEGO, CA 92121 | METROPOLITAN LIFE INSURANCE COMPANY | $821 | $160 | $981 | 0.08% |
| WILLIAM BEAR3 | 321 NORTH CLARK STREET, 14TH FLOOR CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $899 | — | $899 | 0.08% |
| TBG WEST INSURANCE SERVICES3 Filed as: TBG WEST INSURANCE SERVICE | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $125K | $320 | $125K | 19.60% |
| LOCKTON COMPANIES, LLC3 | TWO EMBARCADERO CENTER, SUITE 1700 SAN FRANCISCO, CA 94111 | AETNA INTERNATIONAL | $44K | $116K | $160K | 36.11% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | HYATT LEGAL PLANS | $2K | — | $2K | 10.22% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HYATT LEGAL PLANS | — | $322 | $322 | 1.38% |
| LOCKTON COMPANIES, LLC3 | TWO EMBARCADERO CENTER, SUITE 1700 SAN FRANCISCO, CA 94111 | HYATT LEGAL PLANS | — | $52 | $52 | 0.22% |
| TBG WEST INSURANCE SERVICES3 Filed as: TBG WEST INSURANCE SERVICE | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $458 | $90 | $548 | 13.27% |
| LOCKTON COMPANIES, LLC3 | TWO EMBARCADERO CENTER, SUITE 1700 SAN FRANCISCO, CA 94111 | GERBER LIFE INSURANCE COMPANY | $491 | — | $491 | 33.38% |
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 | 1,634 | 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) | 1,634 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,178 | $2.4M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,178 | $2.5M |
| Vision(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,178 | $2.5M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,634 | $1.2M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 1,178 | $2.0M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 1,178 | $2.0M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 1,178 | $2.0M |
| Other(8 contracts, 7 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,634 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,634 | — |
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.