| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $144K | $12K | $156K | 1.96% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63K | $33K | $96K | 1.20% |
| TCS INSURANCE AGENCY INC3 Filed as: TCS INSURANCE AGENCY, INC. | 100 SMITH RANCH ROAD SUITE 340 SAN RAFAEL, CA 94903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $8K | $27K | 0.34% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 SUITE 3400 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $129 | $129 | 0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METLIFE LEGAL PLANS | $18K | $0 | $18K | 7.75% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 3 POLARIS WAY, 4TH FLOOR ALISO VIEJO, CA 92656 | METLIFE LEGAL PLANS | $9K | $0 | $9K | 3.77% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | METLIFE LEGAL PLANS | $0 | $820 | $820 | 0.36% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD SUITE 3 FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | $0 | $446 | $446 | 0.20% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | METLIFE LEGAL PLANS | $0 | $255 | $255 | 0.11% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | METLIFE LEGAL PLANS | $0 | $34 | $34 | 0.02% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 3130 SOUTH HARBOR BOULEVARD SUITE 140 SANTA ANA, CA 92704 | METLIFE LEGAL PLANS | -$1K | $0 | -$1K | -0.62% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN GENERAL INSURANCE COMPANY | $9K | $0 | $9K | 10.99% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $915 | $915 | 1.10% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $255 | $255 | 0.31% |
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 | 11,558 | 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) | 11,558 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 6,267 | $39.1M |
| Vision | VISION SERVICE PLAN | 8,712 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19,243 | $11.4M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15,787 | $8.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15,787 | $8.0M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 6,267 | $39.1M |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19,243 | $11.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,243 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.