| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNITEDHEALTHCARE INSURANCE COMPANY | $244K | $0 | $244K | 3.72% |
| LOCKTON COMPANIES, LLC3 | 725 S. FIGIEROA STREET, 35TH FLOOR LOS ANGELES, CA 90017 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $80K | $80K | 1.22% |
| WEST BENEFITS INSUR MKTG, INC.3 Filed as: WEST BENEFITS INSURANCE MARKETING | PO BOX 3056 CORONA, CA 92878 | UNITEDHEALTHCARE INSURANCE COMPANY | $73K | $0 | $73K | 1.11% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $0 | $27K | 10.70% |
| WEST BENEFITS INSUR MKTG, INC.3 Filed as: WEST BENEFITS INSURANCE MARKETING | 655 VALLEYWOOD CIRCLE CORONA, CA 92879 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.07% |
| JAMES DUNCAN DAVIDSON3 | 1820 E FIRST STREET, SUITE 400 SANTA ANA, CA 92705 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31K | $0 | $31K | 20.02% |
| LOCKTON COMPANIES, LLC3 | DEPT LA 23940 PASADENA, CA 91185 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | $0 | $13K | 8.55% |
| LOCKTON COMPANIES, LLC3 | UNKNOWN SANTA MONICA, CA 90404 | SIMNSA | $11K | $0 | $11K | 7.00% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $148 | $2K | 49.96% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | $0 | $77 | $77 | — |
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 | 786 | 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) | 786 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,924 | $6.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,924 | $6.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,924 | $6.5M |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 983 | $410K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 983 | $250K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,924 | $6.7M |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 983 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,924 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.