| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA LOS ANGELES, CA 90017 | AETNA HEALTH OF CALIFORNIA, INC. | $162K | $0 | $162K | 4.99% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA LOS ANGELES, CA 90017 | AETNA LIFE INSURANCE COMPANY | $146K | $13K | $159K | 5.40% |
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $30K | $8K | $38K | 12.68% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23K | — | $23K | 27.06% |
| ANTHONY MARK PLAMONDON3 | 3733 ROLLE STREET LOS ANGELES, CA 90031 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$32 | — | -$32 | -0.04% |
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | ANTHEM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.05% |
| LOCKTON COMPANIES, LLC0 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | FOUR EVER LIFE INSURANCE COMPANY | $222 | $0 | $222 | 15.01% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA, 35TH FLOOR LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | $113 | $15 | $128 | 17.07% |
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 | 468 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA, INC. | 766 | $6.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 766 | $3.0M |
| Vision | AETNA LIFE INSURANCE COMPANY | 766 | $3.0M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 478 | $363K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 478 | $363K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA, INC. | 766 | $6.2M |
| Other(6 contracts, 6 carriers) | STANDARD INSURANCE COMPANY | 485 | $471K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 766 | — |
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.