| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS RISK AND INSURANCE | SERVICES OF SAN DIEGO 4250 EXECUTIVE SQUARE, STE 250 LA JOLLA, CA 92037 | SHARP HEALTH PLAN | $35K | — | $35K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | MIKE SHUSTER ONE PPG PLACE, 10TH FLOOR PITTSBURGH, PA 15222 | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | $15K | — | $15K | 2.64% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON & ASSOCIATES | DAVID PARTIN PO BOX 211609 COLUMBIA, SC 29221 | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | $8K | — | $8K | 1.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS HRH | 100 MATSONFORD RD, BLDG 5 STE 200 RADNOR, PA 19087 | BLUE SHIELD OF CALIFORNIA | $20K | — | $20K | 4.12% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE SHIELD OF CALIFORNIA | $10K | — | $10K | 2.00% |
| JAMES R. HUGHES3 | 500 N. CENTRAL AVE GLENDALE, CA 91203 | BLUE SHIELD OF CALIFORNIA | $4K | — | $4K | 0.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC. | WILLIS GROUP ACCOUNTING CENTER 26B CENTURY BOULEVARD, 4TH FL. NASHVILLE, TN 37214 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 2.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA | PO BOX 101162 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 1.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC. | WILLIS GROUP ACCOUNTING CENTER 26B CENTURY BOULEVARD, 4TH FL. NASHVILLE, TN 37214 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 2.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA | PO BOX 101162 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 2.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC. | 444 LIBERTY AVE, STE 505 PITTSBURGH, PA 15222 | HM LIFE INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 100 MATSONFORD RD, BLDG 5 STE 200 RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $768 | $5K | 8.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY AND BARNEY LLC | A MARSH AND MCLENNAN AGENCY LLC CO. PO BOX 740659 LOS ANGELES, CA 90074 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $40 | $1K | 2.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 250 PEHLE AVE, STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $104 | $104 | 0.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY LLC | 9171 TOWNE CENTRE DR, STE 500 SAN DIEGO, CA 92122 | METROPOLITAN LIFE INSURANCE COMPANY | — | $66 | $66 | 0.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA | PO BOX 101162 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | — | $475 | $475 | 2.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA | 26 CENTURY BLVD, 4TH FL S NASHVILLE, TN 37214 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PO BOX 85638 SAN DIEGO, CA 92186 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $360 | — | $360 | 1.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA | 26 CENTURY BLVD, 4TH FL S NASHVILLE, TN 37214 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 12.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PO BOX 85638 SAN DIEGO, CA 92186 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $455 | — | $455 | 2.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 100 MATSONFORD RD, BLDG 5 STE 200 RADNOR, PA 19087 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $618 | $111 | $729 | 9.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY AND BARNEY LLC | A MARSH AND MCLENNAN AGENCY LLC CO. PO BOX 740663 LOS ANGELES, CA 90074 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $184 | — | $184 | 2.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 250 PEHLE AVE, STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $15 | $15 | 0.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA | PO BOX 101162 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | — | $94 | $94 | 2.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC. | ONE PPG PLACE, SUITE 600 PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $231 | — | $231 | 7.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC. | WILLS GROUP ACCOUNTING CENTER 26B CENTURY BOULEVARD, 4TH FL. NASHVILLE, TN 37214 | HARTFORD LIFE AND ACCIDENT | $410 | — | $410 | 15.01% |
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 | 869 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 48 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 942 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SHARP HEALTH PLAN | 162 | $1.8M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 171 | $62K |
| Vision(3 contracts, 3 carriers) | SHARP HEALTH PLAN | 497 | $780K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 905 | $382K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 330 | $123K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 905 | $378K |
| Prescription drug(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 162 | $1.2M |
| Other(5 contracts, 3 carriers) | SHARP HEALTH PLAN | 869 | $755K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 905 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.