| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA HEALTH OF CALIFORNIA, INC. | $60K | $0 | $60K | 3.04% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET LOS ANGELES, CA 90017 | AETNA HEALTH OF CALIFORNIA, INC. | $40K | $0 | $40K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $27K | $0 | $27K | 3.08% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET LOS ANGELES, CA 90017 | AETNA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 1.90% |
| TAX & FINANCIAL GROUP BENEFITS3 | 4001 MACARTHUR BOULEVARD NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 85638 SAN DIEGO, CA 92186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 3.92% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 2.69% |
| EXPLAIN MY BENEFITS LLC5 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.22% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | CALIFORNIA DENTAL NETWORK, INC. | $799 | $0 | $799 | 10.00% |
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 | 537 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA, INC. | 396 | $2.9M |
| Dental(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 537 | $494K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 537 | $486K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 537 | $486K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 537 | $486K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 537 | $486K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA, INC. | 396 | $2.9M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 537 | $486K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 537 | — |
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.