| 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 | $261K | $261K | 4.69% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 609 SAN FRANCISCO, MO 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $73K | $70 | $73K | 11.24% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12K | $12K | 1.85% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT 3042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $171 | $171 | 0.03% |
| LOCKTON COMPANIES, LLC3 | PO BOX 49315 SAN JOSE, CA 95161 | KAISER FOUNDATION HEALTH PLAN, INC. | $14K | $0 | $14K | 4.01% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.34% |
| ASSUREDPARTNERS3 | PO BOX 1388 VENTURA, CA 93002 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 10.00% |
| WILLIAM K VERBRUGGE3 Filed as: WILLIAM K. VERBRUGGE | 27 CRYSTAL SPRINGS ROAD SAN MATEO, CA 94402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $563 | $0 | $563 | 3.65% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $463 | $0 | $463 | 3.00% |
| MJ INSURANCE3 Filed as: ELIZABETH A. LOVE & VARIOUS AGENTS | 3910 COUNTRY MEADOWS ROAD GRANBURY, TX 76049 | CONTINENTAL AMERICAN INSURANCE COMPANY | $123 | $0 | $123 | 0.80% |
| JEANETTE SCHAUB3 | 81 VINTAGE CIRCLE, UNIT 3247 PLEASANTON, GA 94566 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | $0 | $84 | 0.54% |
| JEANNE DYCUS3 | 1227 NW HIDDEN RIDGE CIRCLE BLUE SPRINGS, MO 64015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | $0 | $81 | 0.52% |
| CHRIS KELLY3 | 252 WIKIUP MEADOWS DRIVE SANTA ROSA, CA 95403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 0.20% |
| VIRGINIA L MURPHY3 Filed as: VIRGINIA LEWIS MURPHY | 3616 SNAPDRAGON LANE MCKINNEY, TX 75070 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | $0 | $30 | 0.19% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $33 | $0 | $33 | 15.14% |
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 | 447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 826 | $5.9M |
| Vision | VISION SERVICE PLAN | 380 | $64K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 725 | $652K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 725 | $652K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 725 | $652K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 826 | $5.9M |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 725 | $701K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 826 | — |
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.