| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | BLUE CROSS OF CALIFORNIA | $66K | $961 | $67K | 5.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN, INC. | 721 SOUTH PARKER STREET ORANGE, CA 92868 | BLUE CROSS OF CALIFORNIA | $0 | $23K | $23K | 1.96% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 100 GALLERIA PARKWAY, SUITE 600 ATLANTA, GA 30339 | BLUE CROSS OF CALIFORNIA | -$248 | $323 | $75 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET SUITE 3400 CHICAGO, IL 60661 | ANTHEM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.73% |
| LOCKTON COMPANIES, LLC3 | 65 MEMORIAL ROAD SUITE C100 RUTHERFORD BUILDING WEST HARTFORD, CT 06107 | ANTHEM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN, INC. | 721 SOUTH PARKER STREET ORANGE, CA 92868 | ANTHEM LIFE INSURANCE COMPANY | $60 | $346 | $406 | 0.11% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 272 | $1.2M |
| Dental | BLUE CROSS OF CALIFORNIA | 272 | $1.2M |
| Vision | BLUE CROSS OF CALIFORNIA | 272 | $1.2M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 169 | $358K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 169 | $358K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 169 | $358K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 169 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.