| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTER DRIVE, SUITE 500 SAN DIEGO, CA 92122 | BLUE CROSS OF CALIFORNIA | $64K | $0 | $64K | 2.57% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | BLUE CROSS OF CALIFORNIA | $52K | $0 | $52K | 2.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $58 | $7K | 5.11% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $57 | $7K | 4.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.27% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON AND CO. AND VARIOUS AGENTS | 3475 EAST FOOTHILL BOULEVARD PASADENA, CA 91107 | AFLAC | $7K | $288 | $7K | 7.17% |
| DENNY P. TWIGG3 Filed as: DENNY TWIGG | 24405 CHESTNUT STREET, SUITE 103 SANTA CLARITA, CA 91321 | AFLAC | $5K | $435 | $5K | 5.25% |
| SHARON S. WIENER3 Filed as: SHARON WIENER | 8833 PICKFORD STREET LOS ANGELES, CA 90035 | AFLAC | $2K | $76 | $2K | 2.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE DRIVE APARTMENT A SAN DIEGO, CA 92122 | AFLAC | $2K | $0 | $2K | 2.12% |
| ELIZABETH LOVE3 | 3910 COUNTRY MEADOWS ROAD GRANBURY, TX 76049 | AFLAC | $2K | $92 | $2K | 1.83% |
| KORNELIJA NUMIC3 | 1932 EAST DEERE AVENUE, SUITE 240 SANTA ANA, CA 92705 | AFLAC | $1K | $299 | $2K | 1.67% |
| MARY H MUNOZ PHILIPS3 Filed as: MARY MUNOZ PHILIPS | 116 GARDEN DRIVE FRIENDSWOOD, TX 77546 | AFLAC | $850 | $202 | $1K | 1.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $2K | $0 | $2K | 5.32% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $1K | $0 | $1K | 4.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $397 | $397 | 1.33% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $322 | $322 | 1.08% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $510 | $0 | $510 | 6.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $321 | $0 | $321 | 3.87% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $0 | $117 | $117 | 1.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $0 | $80 | $80 | 0.96% |
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 | 532 | 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) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 532 | $2.5M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 416 | $184K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 416 | $146K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 532 | $2.6M |
| Short-term disability(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 532 | $2.6M |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 532 | $2.5M |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 532 | $2.5M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 532 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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.