| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | AETNA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.35% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | $0 | $273 | $273 | 0.02% |
| CRISTY JONES INSURANCE SERVICES INC3 Filed as: CRISTY JONES INS SERVICES INC | 121 MORNINGSIDE DRIVE SAN ANSELMO, CA 94960 | HARTFORD LIFE AND ACCIDENT | $49K | $0 | $49K | 9.93% |
| CRISTY JONES INSURANCE SERVICES INC3 Filed as: CRISTY JONES INS SERVICES INC | 1099 D STREET SUITE 203 SAN RAFAEL, CA 94901 | HARTFORD LIFE AND ACCIDENT | $512 | $0 | $512 | 0.10% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $61 | $61 | 0.03% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA 35TH FLOOR LOS ANGELES, CA 90017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $655 | $0 | $655 | 7.57% |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 312 | $2.4M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 598 | $2.0M |
| Life insurance(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 598 | $2.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 290 | $498K |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 312 | $2.4M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 598 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.