| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | $0 | $128K | $128K | 4.68% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AETNA LIFE INSURANCE COMPANY | $33K | $0 | $33K | 1.22% |
| LOCKTON COMPANIES, LLC3 | PO BOX 49315 SAN JOSE, CA 95161 | KAISER FOUNDATION HEALTH PLAN INC | $17K | $0 | $17K | 4.40% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 7.53% |
| WILLIAM K VERBRUGGE3 Filed as: WILLIAM K. VERBRUGGE | 27 CRYSTAL SPRINGS ROAD, SUITE 6 SAN MATEO, CA 94402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 6.02% |
| JEANNE DYCUS3 | 2301 BURLINGTON KANSAS CITY, MO 64116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.61% |
| SHANNON N SMITH3 Filed as: SHANNON N. SMITH | 1525 SE PICCADILLY STREET BLUE SPRINGS, MO 64014 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.77% |
| MJ INSURANCE3 Filed as: C AND S GROUP AND VARIOUS AGENTS | 2301 BURLINGTON STREET NORTH KANSAS CITY, MO 64116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $440 | $0 | $440 | 1.17% |
| JEANETTE SCHAUB3 | 81 VINTAGE CIRCLE, UNIT 3247 PLEASANTON, CA 94566 | CONTINENTAL AMERICAN INSURANCE COMPANY | $438 | $0 | $438 | 1.17% |
| WILLAIM V. SCHAUB3 | 2017 FAIRMONT DRIVE SAN MATEO, CA 94402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $274 | $0 | $274 | 0.73% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.37% |
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER SUITE 600 SAN FRANCISCO, CA 94111 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $1K | $0 | $1K | 15.00% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN AND WIKER INS SERVICES LLC | PO BOX 1388 VENTURA, CA 93002 | HARTFORD LIFE AND ACCIDENT | $673 | $0 | $673 | 10.00% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 409 | $3.1M |
| Vision | VISION SERVICE PLAN | 171 | $33K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 409 | $2.7M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 409 | $2.7M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 409 | $2.7M |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 409 | $3.1M |
| Other(6 contracts, 6 carriers) | AETNA LIFE INSURANCE COMPANY | 409 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.