| 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 | $124K | $124K | 4.72% |
| LOCKTON COMPANIES, LLC3 | PO BOX 49315 SAN JOSE, CA 95161 | KAISER FOUNDATION HEALTH PLAN INC | $15K | $0 | $15K | 3.16% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $552 | $552 | 0.12% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 609 SAN FRANCISCO, CA 94111 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $32K | $0 | $32K | 10.89% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 1.94% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $47 | $47 | 0.02% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.43% |
| WILLIAM K VERBRUGGE3 Filed as: WILLIAM K. VERBRUGGE | 27 CRYSTAL SPRINGS ROAD, SUITE 6 SAN MATEO, CA 94402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $375 | $0 | $375 | 2.03% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $329 | $0 | $329 | 1.78% |
| JEANETTE SCHAUB3 | 81 VINTAGE CIRCLE, UNIT 3247 PLEASANTON, CA 94566 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | $0 | $98 | 0.53% |
| NANCY E ODOM3 Filed as: NANCY ODOM AND VARIOUS BROKERS | 5921 STONE MEADOW DRIVE PLANO, TX 75093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | $0 | $82 | 0.44% |
| WILLIAM V SCHAUB3 Filed as: WILLIAM V. SCHAUB | 2017 FAIRMONT DRIVE SAN MATEO, CA 94402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68 | $0 | $68 | 0.37% |
| ELIZABETH A LOVE3 Filed as: ELIZABETH A. LOVE | 4136 SPINDLETREE LANE FORT WORTH, TX 76137 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.09% |
| VIRGINIA L MURPHY3 Filed as: VIRGINIA L. MURPHY | 3616 SNAPDRAGON LANE MCKINNEY, TX 75070 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 0.07% |
| WILLIAM K VERBRUGGE3 Filed as: WILLIAM K. VERBRUGGE | 27 CRYSTAL SPRINGS ROAD, SUITE 6 SAN MATEO, CA 94402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $373 | $0 | $373 | 2.23% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $324 | $0 | $324 | 1.94% |
| JEANETTE SCHAUB3 | 81 VINTAGE CIRCLE, UNIT 3247 PLEASANTON, CA 94566 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | $0 | $98 | 0.59% |
| WILLIAM V SCHAUB3 Filed as: WILLIAM V. SCHAUB | 2017 FAIRMONT DRIVE SAN MATEO, CA 94402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68 | $0 | $68 | 0.41% |
| JEANNE DYCUS3 | 2301 BURLINGTON KANSAS CITY, MO 64116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | $0 | $55 | 0.33% |
| VIRGINIA L MURPHY3 Filed as: VIRGINIA MURPHY AND VARIOUS BROKERS | 3616 SNAPDRAGON LANE MCKINNEY, TX 75070 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | $0 | $30 | 0.18% |
| ELIZABETH A LOVE3 Filed as: ELIZABETH A. LOVE | 4136 SPINDLETREE LANE FORT WORTH, TX 76137 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.10% |
| 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 | PO BOX 1388 VENTURA, CA 93002 | HARTFORD LIFE AND ACCIDENT | $653 | $0 | $653 | 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 | 219 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 372 | $3.3M |
| Vision | VISION SERVICE PLAN | 175 | $34K |
| Life insurance | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 219 | $294K |
| Short-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 219 | $294K |
| Long-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 219 | $294K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 372 | $3.1M |
| Other(7 contracts, 6 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 221 | $349K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.