| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CALIFORNIA PHYSICIANS SERVICE | $442 | $341K | $342K | 1.81% |
| LOCKTON COMPANIES, LLC3 | 9420 RESEDA BOULEVARD, SUITE 3-802 NORTHRIDGE, CA 91324 | STANDARD INSURANCE COMPANY | $22K | $23K | $45K | 2.78% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | STANDARD INSURANCE COMPANY | $0 | $23K | $23K | 1.43% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | DELTA DENTAL OF CALIFORNIA | $49K | $0 | $49K | 4.00% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | METROPOLITAN LIFE INSURANCE COMPANY | $72K | $156 | $73K | 25.97% |
| SALLY COKER3 | 38275 NORTH 103RD PLACE SCOTTSDALE, AZ 85262 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 5.35% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.04% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 29340 PASADENA, CA 91185 | VISION SERVICE PLAN | $5K | $0 | $5K | 2.19% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | METLIFE LEGAL PLANS | $6K | $0 | $6K | 10.09% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | $0 | $692 | $692 | 1.24% |
| JUDITH PETTIGREW3 | 378 LOCUST STREET LAGUNA BEACH, CA 92651 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.24% |
| SALLY COKER3 | 6511 EAST RENDINA STREET LONG BEACH, CA 90815 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.66% |
| LIFESTYLE INSURANCE SVCS INC3 Filed as: LIFESTYLE INSURANCE SERVICES INC. | 30270 RANCHO VIEJO ROAD, SUITE B SAN JUAN CAPISTRANO, CA 92675 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.31% |
| NEWMAN FINANCIAL SERVICES LLC3 | 6636 CEDAR AVENUE S, SUITE 100 MINNEAPOLIS, MN 55423 | TRANSAMERICA LIFE INSURANCE COMPANY | $404 | $0 | $404 | 0.87% |
| CAROL GARDNER3 | 27811 GOLDEN RIDGE LANE SAN JUAN CAPISTRANO, CA 92675 | TRANSAMERICA LIFE INSURANCE COMPANY | $374 | $0 | $374 | 0.80% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ZURICH AMERICAN INSURANCE COMPANY | $190 | $0 | $190 | 20.00% |
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 | 1,669 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,684 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 2,951 | $18.9M |
| Dental | DELTA DENTAL OF CALIFORNIA | 3,087 | $1.2M |
| Vision(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 2,951 | $19.1M |
| Life insurance | STANDARD INSURANCE COMPANY | 1,513 | $1.6M |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,513 | $1.6M |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,513 | $1.6M |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 2,951 | $18.9M |
| Other(6 contracts, 6 carriers) | STANDARD INSURANCE COMPANY | 1,599 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,087 | — |
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.