| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $129K | $81K | $210K | 20.79% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | AETNA LIFE INSURANCE COMPANY | $100K | $0 | $100K | 14.25% |
| LOCKTON COMPANIES, LLC3 | PO BOX 92643 LOS ANGELES, CA 90009 | KAISER FOUNDATION HEALTH PLAN INC | $30K | $0 | $30K | 4.82% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $92K | $0 | $92K | 15.23% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $5K | $0 | $5K | 1.49% |
| LTC SOLUTIONS, INC.3 Filed as: LTC SOLUTIONS INC | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | TRANSAMERICA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 23.24% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | DELTA DENTAL OF CALIFORNIA | $6K | $0 | $6K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 19.99% |
| LOCKTON COMPANIES, LLC3 | 19800 MACARTHUR BOULEVARD SUITE 1250 IRVINE, CA 92612 | ACE AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
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 | 3,639 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,664 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 133 | $910K |
| Dental | DELTA DENTAL OF CALIFORNIA | 367 | $57K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,531 | $640K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,539 | $1.6M |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,539 | $1.6M |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,539 | $1.6M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 133 | $910K |
| Other(6 contracts, 6 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 6,405 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,405 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.