| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | BLUE CROSS OF CALIFORNIA | $121K | $4K | $124K | 4.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | BLUE CROSS OF CALIFORNIA | $11K | — | $11K | 0.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 85638 SAN DIEGO, CA 92186 | KAISER FOUNDATION HEALTH PLAN INC | $18K | — | $18K | 3.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | UNKNOWN IRVINE, CA 92612 | DELTA DENTAL OF CALIFORNIA | $15K | — | $15K | 6.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 85638 SAN DIEGO, CA 92186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $6K | $22K | 16.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12444 POWERCOURT DRIVE SUITE 500 SAINT LOUIS, MO 63131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 2.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 740659 LOS ANGELES, CA 90074 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $40 | $4K | 9.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $635 | $120 | $755 | 1.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $359 | $359 | 0.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY AND BARNEY | 9171 TOWNE CENTER, SUITE 500 SAN DIEGO, CA 92122 | MANAGED HEALTH NETWORK | $1K | — | $1K | 11.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | MANAGED HEALTH NETWORK | $367 | — | $367 | 3.75% |
| CHRISTA G AUFDEMBERG INC4 Filed as: CHRISTA G. AUFDEMBERG | 13102 BRITTANY WOODS DRIVE TUSTIN, CA 92780 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 16.46% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: BARNEY & BARNEY | PO BOX 85638 SAN DIEGO, CA 92186 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $387 | — | $387 | 5.27% |
| MARY THERESA FISHER4 | 29C OWENS LANDING COURT PERRYVILLE, MD 21903 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $67 | — | $67 | 0.91% |
| SMART SOLUTIONS LLC4 | 204 HODDER LANE HIGHLAND SPRINGS, VA 23075 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $4 | — | $4 | 0.05% |
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 | 379 | 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) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 523 | $3.2M |
| Dental | DELTA DENTAL OF CALIFORNIA | 449 | $252K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 529 | $42K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 523 | $2.9M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $136K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $136K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 523 | $3.2M |
| Other(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 523 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 529 | — |
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.