| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $140K | $1K | $141K | 9.40% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN INC | $44K | $0 | $44K | 4.97% |
| TBG WEST INSURANCE SERVICES3 Filed as: TBG WEST INSURANCE SERVICE | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $127K | $9K | $137K | 19.52% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | DELTA DENTAL OF CALIFORNIA | $35K | $0 | $35K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $1K | $9K | 11.27% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.19% |
| BARBARA BARNETT3 | 1411 NORTH GRAND OAKS AVENUE PASADENA, CA 91104 | AFLAC | $1K | $297 | $2K | 5.43% |
| MJ INSURANCE3 Filed as: DANIEL E. ELLIS AND VARIOUS AGENTS | 377 EAST BUTTERFIELD, SUITE 270 LOMBARD, IL 60148 | AFLAC | $649 | $133 | $782 | 2.61% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | AFLAC | $769 | $0 | $769 | 2.56% |
| CHARLES EDWARD WILLIAMS3 | 847 NORTH HOLLYWOOD WAY, SUITE 204 BURBANK, CA 91505 | AFLAC | $622 | $0 | $622 | 2.07% |
| SPALDING GROUP ENTERPRISES3 | 4297 KLUMP AVENUE STUDIO CITY, CA 91602 | AFLAC | $301 | $0 | $301 | 1.00% |
| BANZAI INSURANCE SOLUTIONS INC3 Filed as: BANZAI INSURANCE SOLUTIONS INC. | 9209 COLBERG DRIVE AUSTIN, TX 78749 | AFLAC | $131 | $83 | $214 | 0.71% |
| ADAM H MICHAELS3 Filed as: ADAM H. MICHAELS | 2922 CORDA LANE LOS ANGELES, CA 90049 | AFLAC | $185 | $0 | $185 | 0.62% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | EMPATHIA PACIFIC, INC. | $615 | $0 | $615 | 5.00% |
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 | 352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 551 | $2.4M |
| Dental | DELTA DENTAL OF CALIFORNIA | 726 | $347K |
| Vision | VISION SERVICE PLAN | 347 | $38K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 399 | $700K |
| Short-term disability | AFLAC | 23 | $30K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 399 | $700K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 551 | $2.4M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 399 | $792K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 726 | — |
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."
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.