| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET CINCINNATI, OH 45202 | AETNA LIFE INSURANCE COMPANY | $140K | $10K | $150K | 1.12% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC | $56K | $0 | $56K | 3.85% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90071 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $0 | $4K | 0.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $250 | $250 | 0.02% |
| USI INSURANCE SERVICES LLC3 | 7535 IRVINE CENTER DRIVE, SUITE 250 IRVINE, CA 92618 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $102K | $12K | $114K | 9.26% |
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $93K | $0 | $93K | 7.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPARTMENT LA 23940 PASADENA, CA 91185 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $3K | $32K | 2.61% |
| USI INSURANCE SERVICES LLC3 | 7535 IRVINE CENTER DRIVE, SUITE 250 IRVINE, CA 92618 | DELTA DENTAL OF CALIFORNIA | $43K | $0 | $43K | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 14.96% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPARTMENT LA 23940 PASADENA, VA 91185 | VISION SERVICE PLAN | $148 | $0 | $148 | 0.38% |
| MICHELLE C. LEE3 Filed as: MICHELLE LEE | 1044 LOMA LISA LANE ARCADIA, CA 91006 | AFLAC | $491 | $55 | $546 | 4.31% |
| BARBARA BARNETT3 | 1411 NORTH GRAND OAKS AVENUE PASADENA, CA 91104 | AFLAC | $411 | $0 | $411 | 3.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1200 SW 145TH AVENUE SUITE 101 PEMBROKE PINES, FL 33027 | AFLAC | $249 | $0 | $249 | 1.97% |
| ANDRES ORLANDO TRUJILLO3 Filed as: ANDRES TRUJILLO AND OTHER AGENTS | 205 SOUTH BROADWAY SUITE 208 LOS ANGELES, CA 90012 | AFLAC | $234 | $13 | $247 | 1.95% |
| CHARLES EDWARD WILLIAMS3 Filed as: CHARLES WILLIAMS | 1411 NORTH GRAND OAKS AVENUE PASADENA, CA 91104 | AFLAC | $233 | $0 | $233 | 1.84% |
| SPALDING GROUP ENTERPRISES3 | 29404 QUAIL RUN DRIVE AGOURA HILLS, CA 91301 | AFLAC | $115 | $0 | $115 | 0.91% |
| ADAM H MICHAELS3 Filed as: ADAM MICHAELS | 2922 CORDA LANE LOS ANGELES, CA 90049 | AFLAC | $69 | $0 | $69 | 0.55% |
| USI INSURANCE SERVICES LLC3 | 7535 IRVINE CENTER DRIVE, SUITE 250 IRVINE, CA 92618 | EMPATHIA PACIFIC, INC. | $678 | $0 | $678 | 6.22% |
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 | 372 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 523 | $14.8M |
| Dental | DELTA DENTAL OF CALIFORNIA | 764 | $429K |
| Vision | VISION SERVICE PLAN | 349 | $39K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 359 | $1.2M |
| Short-term disability | AFLAC | 372 | $13K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 359 | $1.2M |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 523 | $14.8M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 372 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 764 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.