| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042, DEPT 3042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $83K | — | $83K | 12.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $93K | $13K | $106K | 22.71% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042, DEPT 3042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 12.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042, DEPT 3042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.00% |
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 | 2,823 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,847 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 423 | $122K |
| Vision | VISION SERVICE PLAN | 2,347 | $297K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,804 | $693K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 441 | $467K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 71 | $38K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,343 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,804 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.