| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $414K | $16K | $430K | 15.70% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET 52ND FLOOR LOS ANGELES, CA 90017 | AETNA LIFE INSURANCE COMPANY | $140K | $0 | $140K | 20.12% |
| LOCKTON COMPANIES, LLC3 | PO BOX 92643 LOS ANGELES, CA 90009 | KAISER FOUNDATION HEALTH PLAN, INC. | $25K | $0 | $25K | 3.86% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $6K | $0 | $6K | 1.47% |
| LTC SOLUTIONS, INC.3 | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 12.19% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE MCCULLUGH | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.68% |
| LOCKTON COMPANIES, LLC3 | PO BOX 802707 KANSAS CITY, MO 64180 | ACE AMERICAN INSURANCE COMPANY | $2K | $160 | $2K | 22.09% |
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 | 4,113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 154 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 90 | $913K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,928 | $691K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,866 | $2.7M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,866 | $2.7M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,866 | $2.7M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 90 | $913K |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,113 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,113 | — |
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.