| 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 | $113K | $113K | 5.32% |
| LOCKTON COMPANIES, LLC3 | PO BOX 49315 SAN JOSE, CA 95161 | KAISER FOUNDATION HEALTH PLAN INC | $17K | $0 | $17K | 4.00% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 609 SAN FRANCISCO, CA 94111 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $31K | $31K | 10.91% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $73 | $73 | 0.03% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $2K | $0 | $2K | 5.31% |
| WILLIAM K VERBRUGGE3 Filed as: WILLIAM K. VERBRUGGE | 27 CRYSTAL SPRINGS ROAD, SUITE 6 SAN MATEO, CA 94402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $986 | $0 | $986 | 3.71% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $857 | $0 | $857 | 3.23% |
| JEANETTE SCHAUB3 | 299 FRANKLIN STREET, UNIT 536 REDWOOD CITY, CA 94063 | CONTINENTAL AMERICAN INSURANCE COMPANY | $165 | $0 | $165 | 0.62% |
| KRISTINIA J. KUNZ AND OTHER AGENTS3 | 118 GRANVILLE WAY SAN FRANCISCO, CA 94127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $165 | $0 | $165 | 0.62% |
| SHANNON N SMITH3 Filed as: SHANNON N. SMITH | 1525 SE PICCADILLY STREET BLUE SPRINGS, MO 64014 | CONTINENTAL AMERICAN INSURANCE COMPANY | $143 | $0 | $143 | 0.54% |
| JEANNE DYCUS3 | 2301 BURLINGTON KANSAS CITY, MO 64116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $135 | $0 | $135 | 0.51% |
| WILLIAM V SCHAUB3 Filed as: WILLIAM V. SCHAUB | 2017 FAIRMONT DRIVE SAN MATEO, CA 94402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | $0 | $108 | 0.41% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN AND WILKER INS. SVS., LLC | PO BOX 1386 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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 347 | $2.8M |
| Vision | VISION SERVICE PLAN | 169 | $34K |
| Life insurance | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 225 | $281K |
| Short-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 225 | $281K |
| Long-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 225 | $281K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 347 | $2.6M |
| Other(6 contracts, 6 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 225 | $318K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.