| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SALLY COKER3 Filed as: SALLY INGRAM COKER | 38275 NORTH 103RD PLACE SCOTTSDALE, AZ 85262 | UNITEDHEALTHCARE INSURANCE COMPANY | $277K | $0 | $277K | 1.41% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | UNITEDHEALTHCARE INSURANCE COMPANY | $246K | $0 | $246K | 1.26% |
| SALLY COKER3 Filed as: SALLY INGRAM COKER | 38275 NORTH 103RD PLACE SCOTTSDALE, AZ 85262 | THE STANDARD INSURANCE COMPANY | $35K | $16K | $50K | 3.44% |
| LOCKTON COMPANIES, LLC3 | 16633 VENTURA BOULEVARD, SUITE 1300 ENCINO, CA 91436 | THE STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 0.63% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | DELTA DENTAL OF CALIFORNIA | $26K | $0 | $26K | 2.34% |
| SALLY COKER3 Filed as: SALLY INGRAM COKER | 38275 NORTH 103RD PLACE SCOTTSDALE, AZ 85262 | DELTA DENTAL OF CALIFORNIA | $18K | $0 | $18K | 1.66% |
| SALLY COKER3 Filed as: SALLY INGRAM COKER | 38275 NORTH 103RD PLACE SCOTTSDALE, AZ 85262 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $0 | $32K | 14.45% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $1K | $0 | $1K | 0.68% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | METLIFE LEGAL PLANS | $3K | $0 | $3K | 5.23% |
| SALLY COKER3 | 6511 EAST RENDINA STREET LONG BEACH, CA 90815 | METLIFE LEGAL PLANS | $2K | $0 | $2K | 3.52% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | — | $156 | $156 | 0.28% |
| LOCKTON COMPANIES, LLC3 | 111 EAST KILBOURN AVENUE, SUITE 825 MILWAUKEE, WI 53202 | METLIFE LEGAL PLANS | $0 | $106 | $106 | 0.19% |
| SALLY COKER3 | 6511 EAST RENDINA STREET LONG BEACH, CA 90815 | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.29% |
| JUDITH PETTIGREW3 | 378 LOCUST STREET LAGUNA BEACH, CA 92651 | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.39% |
| LIFESTYLE INSURANCE SVCS INC3 Filed as: LIFESTYLE INS SVCS INC | 30270 RANCHO VIEJO ROAD, SUITE B SAN JUAN CAPISTRANO, CA 92675 | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.51% |
| NEWMAN FINANCIAL SERVICES LLC3 | 6636 CEDAR AVENUE SOUTH SUITE 100 MINNEAPOLIS, MN 55423 | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | $930 | $0 | $930 | 1.75% |
| CAROL GARDNER3 | 27811 GOLDEN RIDGE LANE SAN JUAN CAPISTRANO, CA 92675 | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | $374 | $0 | $374 | 0.70% |
| GOLD COAST INS.3 Filed as: GOLD COAST INSURANCE | 6511 EAST RENDINA STREET LONG BEACH, CA 90815 | MAGELLAN HEALTH SERVICE | $2K | $0 | $2K | 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 | 1,510 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,522 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,653 | $19.6M |
| Dental | DELTA DENTAL OF CALIFORNIA | 2,753 | $1.1M |
| Vision | VISION SERVICE PLAN | 1,091 | $152K |
| Life insurance | THE STANDARD INSURANCE COMPANY | 1,391 | $1.5M |
| Short-term disability | THE STANDARD INSURANCE COMPANY | 1,391 | $1.5M |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 1,391 | $1.5M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 2,653 | $19.6M |
| Other(5 contracts, 5 carriers) | THE STANDARD INSURANCE COMPANY | 2,860 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,860 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.