| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET LOS ANGELES, CA 90017 | AETNA HEALTH, INC. | $42K | $0 | $42K | 4.64% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET LOS ANGELES, CA 90017 | AETNA LIFE INSURANCE COMPANY | $34K | $5K | $39K | 5.21% |
| LOCKTON COMPANIES, LLC3 | 6300 BRIDGEPOINT PARKWAY BUILDING 3, SUITE 500 AUSTIN, TX 78730 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $617 | $617 | 1.90% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $21 | $21 | 0.06% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $765 | $0 | $765 | 5.50% |
| LOCKTON COMPANIES, LLC3 | 515 SOUTH FLOWER STREET SUITE 505 LOS ANGELES, CA 90071 | HEALTH AND HUMAN RESOURCE CENTER | $307 | $0 | $307 | 10.02% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET 52ND FLOOR LOS ANGELES, CA 90017 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $475 | $0 | $475 | 20.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $0 | $356 | $356 | 14.99% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, 3RD FLOOR FARMINGTON, CT 06032 | LEGAL ACCESS CONSULTING, LLC | $300 | $0 | $300 | 14.99% |
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 | 96 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 157 | $1.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 157 | $744K |
| Vision | VISION SERVICE PLAN | 72 | $14K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 96 | $32K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 96 | $32K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 157 | $1.7M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 96 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.