| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | SHARP HEALTH PLAN | $183K | $0 | $183K | 5.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 92643 LOS ANGELES, CA 90009 | KAISER FOUNDATION HEALTH PLAN, INC. | $86K | $0 | $86K | 2.49% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | UNITED CONCORDIA INSURANCE COMPANY | $12K | $0 | $12K | 3.00% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | $0 | $40K | 19.96% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $3K | $10K | 9.42% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $902 | $902 | 0.86% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.28% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | MEDIEXCEL HEALTH PLAN | $2K | $0 | $2K | 5.58% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $706 | $0 | $706 | 2.78% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | METLIFE LEGAL PLANS | $2K | $49 | $2K | 9.55% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | $0 | $256 | $256 | 1.03% |
| JUSTIN C LAMB3 Filed as: JUSTIN C. LAMB AND OTHER AGENTS | 5350 LAKE LIZZIE DRIVE SAINT CLOUD, FL 34771 | AFLAC | $501 | $0 | $501 | 3.94% |
| JACQUELYN E. K. HOLDER3 Filed as: JACQUELYN E K HOLDER | 9625 MISSION GORGE ROAD SUITE B2304 SANTEE, CA 92071 | AFLAC | $237 | $0 | $237 | 1.86% |
| JACK DANIEL HOLDER3 | 3530 CAMINO DEL RIO NORTH SUITE 200 SAN DIEGO, CA 92108 | AFLAC | $199 | $0 | $199 | 1.56% |
| ROBERT C HENLEY3 Filed as: ROBERT C. HENLEY | 15422 AVENIDA RORRAS SAN DIEGO, CA 92128 | AFLAC | $170 | $0 | $170 | 1.34% |
| CLINTON CHARLES ZELEZ3 | 6986 WEST QUAIL AVENUE GLENDALE, AZ 85308 | AFLAC | $101 | $0 | $101 | 0.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNTL INS. SVCS., INC. | 5405 MOREHOUSE DRIVE SAN DIEGO, CA 92121 | AFLAC | $79 | $0 | $79 | 0.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES, INC | 2393 TOWNSGATE ROAD, SUITE 101 WESTLAKE VILLAGE, CA 91361 | AFLAC | $72 | $0 | $72 | 0.57% |
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 | 650 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 653 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SHARP HEALTH PLAN | 552 | $7.1M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 867 | $419K |
| Vision(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 428 | $3.7M |
| Life insurance | STANDARD INSURANCE COMPANY | 605 | $120K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 650 | $105K |
| Prescription drug(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 552 | $7.1M |
| Other(6 contracts, 6 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 650 | $480K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 867 | — |
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.