| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $152K | $4K | $156K | 5.56% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN INC | $56K | $0 | $56K | 4.86% |
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $172K | $14K | $186K | 19.41% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.17% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | DELTA DENTAL OF CALIFORNIA | $40K | $0 | $40K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $1K | $7K | 17.92% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.01% |
| BARBARA BARNETT3 | 1411 NORTH GRAND OAKS AVENUE PASADENA, CA 91104 | AFLAC | $576 | $0 | $576 | 3.67% |
| MICHELLE C. LEE3 | 1044 LOMA LISA LANE ARCADIA, CA 91006 | AFLAC | $519 | $8 | $527 | 3.36% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | AFLAC | $354 | $0 | $354 | 2.25% |
| MJ INSURANCE3 Filed as: DANIEL E. ELLIS AND VARIOUS AGENTS | 377 EAST BUTTERFIELD ROAD SUITE 210 LOMBARD, IL 60148 | AFLAC | $328 | $20 | $348 | 2.22% |
| CHARLES EDWARD WILLIAMS3 | 1411 NORTH GRAND OAKS AVENUE PASADENA, CA 91104 | AFLAC | $324 | $0 | $324 | 2.06% |
| SPALDING GROUP ENTERPRISES3 | 29404 QUAIL RUN DRIVE AGOURA HILLS, CA 91301 | AFLAC | $159 | $0 | $159 | 1.01% |
| ADAM H MICHAELS3 Filed as: ADAM H. MICHAELS | 2922 CORDA LANE LOS ANGELES, CA 90049 | AFLAC | $96 | $0 | $96 | 0.61% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | EMPATHIA PACIFIC, INC. | $0 | $399 | $399 | 3.78% |
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 | 330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | 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 | 521 | $4.0M |
| Dental | DELTA DENTAL OF CALIFORNIA | 719 | $401K |
| Vision | VISION SERVICE PLAN | 330 | $38K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 332 | $960K |
| Short-term disability | AFLAC | 16 | $16K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 332 | $960K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 521 | $4.0M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 354 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 719 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.