| 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 | $187K | $187K | 4.63% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 609 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE OF AMERICA | $52K | $87 | $52K | 9.90% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE OF AMERICA | $0 | $6K | $6K | 1.12% |
| LOCKTON COMPANIES, LLC3 | PO BOX 49315 SAN JOSE, CA 95161 | KAISER FOUNDATION HEALTH PLAN INC | $21K | $0 | $21K | 4.91% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $82 | $82 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SUTTER HEALTH AND AETNA INSURANCE COMPANY | $0 | $27K | $27K | 23.94% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.98% |
| WILLAM KENNETH VERBRUGGE3 | 27 CRYSTAL SPRINGS ROAD, SUITE 6 SAN MATEO, CA 94402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $495 | $0 | $495 | 2.56% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $438 | $0 | $438 | 2.27% |
| JEANETTE SCHAUB3 | 81 VINTAGE CIRCLE, UNIT 3247 PLEASANTON, CA 94566 | CONTINENTAL AMERICAN INSURANCE COMPANY | $112 | $0 | $112 | 0.58% |
| CHRIS KELLY3 | 1260 NORTH DUTTON AVENUE, SUITE 180 SANTA ROSA, CA 95401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $95 | $0 | $95 | 0.49% |
| WILLIAM K VERBRUGGE3 Filed as: WILLIAM VO. SCHAUB | 2017 FAIRMONT DRIVE SAN MATEO, CA 94402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | $0 | $78 | 0.40% |
| JEANNE DYCUS3 | 1227 NW HIDDEN RIDGE CIRCLE BLUE SPRINGS, MO 64015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | $0 | $69 | 0.36% |
| ELIZABETH LOVE3 | 3910 COUNTRY MEADOWS ROAD GRANDBURY, TX 76049 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 0.10% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF CALIFORNIA | 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 | 437 | 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) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 754 | $4.6M |
| Vision | VISION SERVICE PLAN | 347 | $50K |
| Life insurance | METROPOLITAN LIFE INSURANCE OF AMERICA | 638 | $524K |
| Short-term disability | METROPOLITAN LIFE INSURANCE OF AMERICA | 638 | $524K |
| Long-term disability | METROPOLITAN LIFE INSURANCE OF AMERICA | 638 | $524K |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 754 | $4.6M |
| Other(6 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE OF AMERICA | 638 | $555K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 754 | — |
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.