| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | BLUE CROSS OF CALIFORNIA | $160K | $2K | $162K | 5.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR, SUITE 100 SAN DIEGO, CA 92122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $54K | $12K | $66K | 14.56% |
| MARSH & MCLENNAN AGENCY LLC4 | 2 MORRISSEY BLVD DORCHESTER, MA 02125 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $735 | $0 | $735 | 9.31% |
| ELIZABETH FOO DBA WINNING TEAM AGCY4 | 2720 SIERRA BELLA DR CORONA, CA 92882 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $696 | $0 | $696 | 8.81% |
| ENROLLEASE4 Filed as: DIGITAL INSURANCE INS | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $208 | $0 | $208 | 2.63% |
| ADSH INVESTMENTS4 Filed as: ADSH INVESTMENTS II INC | 23716 BIRTCHER DR LAKE FOREST, CA 92630 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $69 | $0 | $69 | 0.87% |
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 | 363 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 313 | $3.0M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 363 | $471K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 363 | $471K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 363 | $451K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 363 | $451K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 363 | $451K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 1 | $20K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 363 | $459K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.