| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET LOS ANGELES, CA 90017 | AETNA LIFE INSURANCE COMPANY | $427K | $143K | $569K | 3.11% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | AETNA LIFE INSURANCE COMPANY | $46K | $0 | $46K | 0.25% |
| RONALD M KLEIMAN3 Filed as: RONALD M. KLEIMAN | 4522 RURAL FREE DELIVERY LONG GROVE, IL 60047 | AETNA LIFE INSURANCE COMPANY | $46K | $0 | $46K | 0.25% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | HARTFORD LIFE AND ACCIDENT | $84K | $0 | $84K | 12.41% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $5K | $0 | $5K | 1.93% |
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 | 2,882 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 75 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,957 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 4,083 | $18.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 4,083 | $18.3M |
| Vision | VISION SERVICE PLAN | 1,522 | $235K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,571 | $676K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,571 | $676K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,571 | $676K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 4,083 | $18.3M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 4,083 | $19.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,083 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.