| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 7.87% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.95% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $95 | $95 | 0.05% |
| AVANT-GARDE INSURANCE SOLUTIONS3 | 2910 NEILSON WAY, UNIT 410 SANTA MONICA, CA 90405 | AFLAC | $591 | $24 | $615 | 4.74% |
| MJ INSURANCE3 Filed as: CLAY CAMPBELL AND VARIOUS AGENTS | 14720 LIBLEN AVENUE BELLFLOWER, CA 90706 | AFLAC | $542 | $5 | $547 | 4.21% |
| RENEE SUZANNE CORSO3 | 5805 SEPULVEDA BOULEVARD SUITES 700 AND 740 SHERMAN OAKS, CA 91411 | AFLAC | $242 | $5 | $247 | 1.90% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | AFLAC | $199 | $0 | $199 | 1.53% |
| BETTY MURDOCK3 | 7216 TESSERA PARKWAY LAGO VISTA, TX 78645 | AFLAC | $176 | $0 | $176 | 1.36% |
| SUSAN M. KUSUMI3 | 28219 WINTERDALE DRIVE CANYON COUNTRY, CA 91387 | AFLAC | $69 | $0 | $69 | 0.53% |
| LIVIER MARIA RAMIREZ3 | 1107 FAIR OAKS AVENUE UNIT 882 SOUTH PASADENA, CA 91030 | AFLAC | $65 | $0 | $65 | 0.50% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $77 | $77 | 1.99% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 298 | $2.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 363 | $191K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 363 | $187K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 172 | $482K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 172 | $495K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 172 | $482K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 298 | $2.4M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 172 | $702K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.