| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 EMBARCADERO CENTER SUITE 609 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $57 | $18K | 2.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $13K | $13K | 1.48% |
| CHRISTOPHER JAMES CORROW3 Filed as: CHRISTOPHER D SCHOTT | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | AETNA LIFE INSURANCE COMPANY | $41K | $0 | $41K | 4.95% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W HOWARTH III | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $113K | $0 | $113K | 20.25% |
| LOCKTON COMPANIES, LLC3 | TWO EMBARCADERO CENTER SUITE 1700 SAN FRANCISCO, CA 94111 | AETNA INTERNATIONAL | $41K | $10K | $51K | 12.12% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | TWO EMBARCADERO CENTER SUITE 1700 SAN FRANCISCO, CA 94111 | AETNA LIFE INSURANCE COMPANY | $36K | $8K | $45K | 13.39% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | HYATT LEGAL PLANS | $2K | $60 | $2K | 9.55% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | HYATT LEGAL PLANS | $0 | $195 | $195 | 0.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | P.O. BOX 843844 KANSAS CITY, MO 64184 | HYATT LEGAL PLANS | $0 | $90 | $90 | 0.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2 EMBARCADERO CENTER SUITE 1700 SAN FRANCISCO, CA 94111 | HYATT LEGAL PLANS | $0 | $57 | $57 | 0.22% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W HOWARTH III | 6077 BRISTOL PARKWAY COLVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $372 | $73 | $445 | 12.23% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS, LLC | TWO EMBARCADERO CENTER SUITE 1700 SAN FRANCISCO, CA 94111 | GERBER LIFE INSURANCE COMPANY | $537 | $0 | $537 | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 EMBARCADERO CTR STE 609 SAN FRANSICO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $180 | $57 | $237 | 11.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $43 | $43 | 2.09% |
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 | 1,543 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,558 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA INTERNATIONAL | 65 | $755K |
| Dental(3 contracts, 3 carriers) | AETNA INTERNATIONAL | 249 | $822K |
| Vision(3 contracts, 3 carriers) | AETNA INTERNATIONAL | 1,053 | $893K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,543 | $900K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 1,201 | $822K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 1,201 | $822K |
| Other(9 contracts, 8 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,543 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,543 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.