| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA LOS ANGELES, CA 90017 | AETNA HEALTH OF CALIFORNIA INC. | $70K | $0 | $70K | 4.94% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA LOS ANGELES, CA 90017 | AETNA LIFE INSURANCE COMPANY | $59K | $4K | $63K | 5.26% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $1K | $25K | 10.22% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $329 | $8K | 15.91% |
| MJ INSURANCE3 Filed as: MARISOL PORTILLO MATA AND OTHERS | 29309 DAKOTA DRIVE VALENCIA, CA 91354 | AFLAC | $276 | $0 | $276 | 3.60% |
| PATRICIA GAIL LEES3 | 1124 CHURCHS COURT BURBANK, CA 91501 | AFLAC | $200 | $0 | $200 | 2.61% |
| ROBERT J. PHILIBOSIAN3 | 3107 BIANCA CIRCLE SIMI VALLEY, CA 93063 | AFLAC | $101 | $0 | $101 | 1.32% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | AFLAC | $91 | $0 | $91 | 1.19% |
| OSCAR FREGOSO3 | 25750 LEWIS WAY STEVENSON RANCH, CA 91381 | AFLAC | $53 | $0 | $53 | 0.69% |
| LINDA M NAPOLI3 Filed as: LINDA M. NAPOLI | 17631 VENTURA BOULEVARD, SUITE 321 ENCINO, CA 91316 | AFLAC | $53 | $0 | $53 | 0.69% |
| LILY FREGOSO3 | 25750 LEWIS WAY STEVENSON RANCH, CA 91381 | AFLAC | $50 | $0 | $50 | 0.65% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 148 | $2.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $244K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $244K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $292K |
| Short-term disability | AFLAC | 8 | $8K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $244K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 148 | $2.6M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.