| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | SIMNSA | $11K | $0 | $11K | 7.00% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $13K | $0 | $13K | 9.95% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 11.71% |
| HEATHER SIEMS3 | 8220 UNIVERSITY AVENUE, SUITE 220 SAN DIEGO, CA 91942 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 7.65% |
| MJ INSURANCE3 Filed as: TRULY PINEDA AND VARIOUS AGENTS | 3665 MOUNT ACADIA BOULEVARD SAN DIEGO, CA 92111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.89% |
| STEPHANIE MARIE DERAN3 Filed as: STEPHANIE M. DERAN | 1059 EAST BRADLEY AVENUE, UNIT 102 EL CAJON, CA 92021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.69% |
| BERNAVE NUNEZ3 | 1467 EAST CAROLYN LANE APARTMENT 105 REEDLEY, CA 93654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $942 | $0 | $942 | 2.01% |
| JD HOLDER ENTERPRISES INC3 Filed as: JD HOLDER ENTERPRISES INC. | 8220 UNIVERSITY AVENUE, SUITE 200 LA MESA, CA 91942 | CONTINENTAL AMERICAN INSURANCE COMPANY | $761 | $0 | $761 | 1.63% |
| SANDRA BREDESON3 | 8220 UNIVERSITY AVENUE, SUITE 202 LA MESA, CA 91942 | CONTINENTAL AMERICAN INSURANCE COMPANY | $439 | $0 | $439 | 0.94% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | EYEMED | $1K | $0 | $1K | 7.20% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIMNSA | 88 | $150K |
| Dental(2 contracts, 2 carriers) | SIMNSA | 148 | $281K |
| Vision | EYEMED | 344 | $20K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 230 | $103K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 230 | $103K |
| Prescription drug | SIMNSA | 88 | $150K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 230 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.