| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $358K | $31K | $389K | 13.73% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $860 | $860 | 0.03% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA 52ND FLOOR LOS ANGELES, CA 90017 | AETNA LIFE INSURANCE COMPANY | $180K | $0 | $180K | 22.18% |
| LOCKTON COMPANIES, LLC3 | PO BOX 92643 LOS ANGELES, CA 90009 | KAISER FOUNDATION HEALTH PLAN, INC. | $30K | $0 | $30K | 5.40% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $7K | $0 | $7K | 1.32% |
| LTC SOLUTIONS, INC.3 | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 802707 KANSAS CITY, MO 64180 | ACE AMERICAN INSURANCE COMPANY | $2K | $135 | $2K | 21.76% |
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 | 4,831 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 157 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,036 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 79 | $987K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 3,418 | $929K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,855 | $2.8M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,855 | $2.8M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,855 | $2.8M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 79 | $987K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,855 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,855 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.