| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AETNA HEALTH OF CALIFORNIA INC. | $62K | $5K | $67K | 2.95% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AETNA LIFE INSURANCE COMPANY | $29K | $14K | $43K | 8.90% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 9.80% |
| ROGER H. MORRIS3 | 14841 YORBA STREET, SUITE 203 TUSTIN, CA 92780 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $368 | $0 | $368 | 0.28% |
| THOMAS CHRISTOPHER SMITH3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $368 | $0 | $368 | 0.28% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 11.17% |
| ROGER H. MORRIS3 | 14841 YORBA STREET, SUITE 203 TUSTIN, CA 92780 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 8.68% |
| ROGER H. MORRIS3 | 14841 YORBA STREET, SUITE 203 TUSTIN, CA 92780 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $110 | $0 | $110 | 2.35% |
| THOMAS CHRISTOPHER SMITH3 | PO BOX 6650 METAIRIE, LA 70009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $58 | $0 | $58 | 1.24% |
| UNKNOWN0 | UNKNOWN SAN DIEGO, CA 92121 | FOUR EVER LIFE INSURANCE COMPANY | $220 | $59 | $279 | 19.04% |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 481 | $2.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 481 | $481K |
| Vision | AETNA LIFE INSURANCE COMPANY | 481 | $481K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $136K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $131K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $131K |
| Prescription drug | AETNA HEALTH OF CALIFORNIA INC. | 423 | $2.3M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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.