| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | UHC | $154K | $11K | $166K | 5.89% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | SELECT HEALTH | $12K | $0 | $12K | 3.61% |
| MCCAREY INC3 | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL | $5K | $3K | $8K | 6.45% |
| EGLY GARCIA3 Filed as: EGLY GARCIA AND OTHER AGENTS | 323 NORTH LARK ELLEN AVENUE WEST COVINA, CA 91791 | COLONIAL | $4K | $205 | $5K | 3.61% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL | $2K | $524 | $3K | 2.37% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL | $2K | $417 | $2K | 1.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 21250 HAWTHORNE BOULEVARD TORRANCE, CA 90503 | COLONIAL | $2K | $0 | $2K | 1.20% |
| NICOLE ANGELES RAMIREZ3 | 201 NORTH ATLANTIC BOULEVARD SUITE A ALHAMBRA, CA 91801 | COLONIAL | $1K | $233 | $1K | 1.05% |
| SUSAN GOLD STOKES3 Filed as: SUSAN G STOKES | 3113 WEST 187TH PLACE TORRANCE, CA 90503 | COLONIAL | $1K | $220 | $1K | 0.97% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | HEALTH PLAN OF NV | $6K | $0 | $6K | 5.28% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | UHC | $4K | $0 | $4K | 9.20% |
| MCCAREY INC3 | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL | $2K | $1K | $3K | 8.28% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL | $1K | $246 | $1K | 3.67% |
| STACI MARIE FERRARIS3 | 28912 GLEN ROCK PLACE HIGHLAND, CA 92346 | COLONIAL | $1K | $263 | $1K | 3.54% |
| JERRY SHAPIRO3 Filed as: JERRY SHAPIRO AND OTHER AGENTS | 21021 VENTURA BOULEVARD WOODLAND HILLS, CA 91364 | COLONIAL | $990 | $71 | $1K | 2.76% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL | $593 | $185 | $778 | 2.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 21250 HAWTHORNE BOULEVARD TORRANCE, CA 90503 | COLONIAL | $431 | $0 | $431 | 1.12% |
| STEPHEN LEE MILLER3 | 12576 RIDEABOUT COURT SAN DIEGO, CA 92129 | COLONIAL | $298 | $22 | $320 | 0.83% |
| MCCAREY INC3 | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL | $978 | $598 | $2K | 5.89% |
| DEBORAH LYNN WELLS3 | 5809 MARK TWAIN AVENUE SACRAMENTO, CA 95820 | COLONIAL | $939 | $132 | $1K | 4.00% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL | $617 | $130 | $747 | 2.79% |
| DARRYL W VIDOR3 Filed as: DARRYL VIDOR AND OTHER AGENTS | 104 PIONEER DRIVE FOLSOM, CA 95630 | COLONIAL | $436 | $58 | $494 | 1.85% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL | $277 | $79 | $356 | 1.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 21250 HAWTHORNE BOULEVARD TORRANCE, CA 90503 | COLONIAL | $226 | $0 | $226 | 0.84% |
| JERRY SHAPIRO3 | 21021 VENTURA BOULEVARD WOODLAND HILLS, CA 91364 | COLONIAL | $218 | $0 | $218 | 0.81% |
| MCCAREY INC3 | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL | $935 | $573 | $2K | 6.49% |
| JERRY SHAPIRO3 Filed as: JERRY SHAPIRO AND OTHER AGENTS | 21021 VENTURA BOULEVARD WOODLAND HILLS, CA 91364 | COLONIAL | $598 | $86 | $684 | 2.94% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL | $495 | $105 | $600 | 2.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 21250 HAWTHORNE BOULEVARD TORRANCE, CA 90503 | COLONIAL | $558 | $0 | $558 | 2.40% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER COURT HENDERSON, NV 89015 | COLONIAL | $376 | $124 | $500 | 2.15% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL | $246 | $78 | $324 | 1.39% |
| CAREN R MARTIN3 | 931 EMU COURT SPARKS, NV 89441 | COLONIAL | $281 | $0 | $281 | 1.21% |
| MCCAREY INC3 | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL | $359 | $211 | $570 | 8.76% |
| MARC MAURICIO MORROW3 | 30218 VINEBRIAR DRIVE SPRING, TX 77386 | COLONIAL | $212 | $46 | $258 | 3.97% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL | $211 | $45 | $256 | 3.93% |
| DEBRA JEAN HUMPHREY3 Filed as: DEBRA J HUMPHREY AND OTHER AGENTS | 1325 MARDI LANE HOUSTON, TX 77055 | COLONIAL | $189 | $40 | $229 | 3.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 21250 HAWTHORNE BOULEVARD TORRANCE, CA 90503 | COLONIAL | $58 | $0 | $58 | 0.89% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL | $16 | $27 | $43 | 0.66% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL | $11 | $26 | $37 | 0.57% |
| MCCAREY INC3 | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL | $298 | $148 | $446 | 7.06% |
| SANDRA E GONZALEZ3 | 2037 WEST BULLARD AVENUE FRESNO, CA 93711 | COLONIAL | $162 | $0 | $162 | 2.56% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL | $126 | $27 | $153 | 2.42% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL | $85 | $21 | $106 | 1.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 21250 HAWTHORNE BOULEVARD TORRANCE, CA 90503 | COLONIAL | $96 | $0 | $96 | 1.52% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA PHILLIPS AND OTHER AGENTS | 6219 SOUTH CLARA FRESNO, CA 93706 | COLONIAL | $24 | $3 | $27 | 0.43% |
| BARRY W MAAS3 | PO BOX 5809 FRESNO, CA 93755 | COLONIAL | $12 | $6 | $18 | 0.28% |
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 | 453 | 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) | 453 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UHC | 808 | $3.2M |
| Dental | UHC | 808 | $2.8M |
| Vision | UHC | 808 | $2.8M |
| Life insurance | UHC | 453 | $42K |
| Prescription drug(3 contracts, 3 carriers) | UHC | 808 | $3.2M |
| Other(7 contracts, 2 carriers) | COLONIAL | 453 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 808 | — |
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.