| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | $48 | $38K | 18.98% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | METROPOLITAN LIFE INSURANCE COMPANY | — | $52 | $52 | 0.03% |
| WILLIAM P HOFTO3 | 2910 NEILSON WAY, UNIT 410 SANTA MONICA, CA 90405 | AFLAC | $2K | $39 | $2K | 10.81% |
| LOCKTON COMPANIES, LLC3 | 725 FIGEUROA STREET, 35TH FLOOR LOS ANGELES, CA 90017 | AFLAC | $1K | — | $1K | 6.58% |
| MJ INSURANCE3 Filed as: BETTY MURDOCK AND VARIOUS AGENTS | 7215 TESSERA PARKWAY LAGO VISTA, TX 78645 | AFLAC | $810 | — | $810 | 4.04% |
| AVANT-GARDE INSURANCE SOLUTIONS3 | 2910 NEILSON WAY, UNIT 410 SANTA MONICA, CA 90405 | AFLAC | $770 | — | $770 | 3.84% |
| RENEE SUZANNE CORSO3 | 5805 SEPULVEDA BOULEVARD SUITE 740 SHERMAN OAKS, CA 91411 | AFLAC | $677 | $8 | $685 | 3.41% |
| BRIAN G JAEGGI3 Filed as: BRIAN G. JAEGGI | 5700 CHICOPEE AVENUE ENCINO, CA 91318 | AFLAC | $541 | $8 | $549 | 2.74% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC. | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | AFLAC | $226 | — | $226 | 1.13% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 288 | $1.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $155K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $151K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 160 | $203K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 160 | $223K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 160 | $203K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 288 | $1.9M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 160 | $423K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.