| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD STE 200 TORRANCE, CA 905013329 | KAISER FOUNDATION HEALTH PLAN, INC. | $55K | — | $55K | 2.70% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST STE 2400 SAN FRANCISCO, CA 941042215 | KAISER FOUNDATION HEALTH PLAN, INC. | $13K | — | $13K | 0.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | PO BOX 4328 TORRANCE, CA 905104328 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 5.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMINISTRATORS INC | 721 S PARKER ST STE 300 ORANGE, CA 928684732 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 3.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945297924 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 1.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | PO BOX 4328 TORRANCE, CA 90501 | UNITEDHEALTHCARE OF CALIFORNIA | $12K | — | $12K | 5.67% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD CONCORD, CA 94529 | UNITEDHEALTHCARE OF CALIFORNIA | $3K | — | $3K | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD SUITE 200 TORRANCE, CA 90501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 7.56% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.18% |
| ACRIALPS LLC3 | C/O ACRIALPS LLC GRAND RAPID, MI 49501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $2K | $10K | 29.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | PO BOX 4328 TORRANCE, CA 90510 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $500 | $7K | 22.50% |
| MADISEN LYNN GERZ3 | 3534 GWYNELLE CT SPARKS, NV 89431 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $869 | $252 | $1K | 3.38% |
| BRIGATA LLC3 | 104 CAPETOWN CT UNIT 104 WEAVERVILLE, NC 28787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $551 | $262 | $813 | 2.45% |
| CHELSEA L WARE LLC3 Filed as: CHELSEA L WARE INC | 11425 PERUGINO DR LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $533 | — | $533 | 1.61% |
| VIP INSURANCE INC3 | 18 STONEMARK DR HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $336 | $89 | $425 | 1.28% |
| ASSUREDPARTNERS3 Filed as: JENNIFER RENEE BLAIR | 3949 CARLA ANN RD NORTH LAS VEGAS, NV 89081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $325 | $92 | $417 | 1.26% |
| SHAWNEENA MERCADO OVERLY3 | 3958 PARKERS FRY FORT MILL, SC 29715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $316 | $40 | $356 | 1.07% |
| CHERYL LYNN GAONA3 | 11912 KILLIAN ST EL MONTE, CA 91732 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $263 | $33 | $296 | 0.89% |
| ANTONIA DAVILA3 Filed as: ANTONIA MARIA HOLDEN | 8932 CREEKFORD DR LAKESIDE, CA 92040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | $30 | $206 | 0.62% |
| MEGAN WILSON3 | 7534 SLIPPER ORCHID ST LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | $23 | $195 | 0.59% |
| ALEXANDRA DIANE SORRENTINO3 | 3055 RED SPRINGS DR LAS VEGAS, NV 89135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | $42 | $195 | 0.59% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK MICHAEL SORRENTINO | 9110 W TROPICANA AVE LAS VEGAS, NV 89147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $167 | $18 | $185 | 0.56% |
| JENNIFER JEAN MOYA3 | 24548 VIA LAS LADERAS MURRIETA, CA 92562 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | $22 | $178 | 0.54% |
| ANDRES RAMIREZ3 | 7568 MISSION PALM ST LAS VEGAS, NV 89139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $144 | — | $144 | 0.43% |
| SAMAR BREIK ALBIN3 | 41572 VALOR DR MURRIETA, CA 92562 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | $23 | $128 | 0.39% |
| ROGER STUART KENCHEL3 | 2588 EL CAMINO REAL STE F188 CARLSBAD, CA 92008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $25 | $123 | 0.37% |
| MICHELLE LISA FREDRICKSON3 | 9456 VICTORY GARDEN AVE LAS VEGAS, NV 89149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $14 | $102 | 0.31% |
| CHELSEA L WARE LLC3 | 233 W 21ST ST NEW YORK, NY 10011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 0.29% |
| EDWARD ALBERT GUY JR3 | 716 RED FERN RD TALLAHASSEE, FL 32308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $14 | $81 | 0.24% |
| RYAN WARE3 | 11632 REGAL ROCK PL LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.23% |
| CHRISTINA STAHL3 | 9621 CANYON MESA DR LAS VEGAS, NV 89144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $35 | $38 | 0.11% |
| MICHAEL JAMES LEBRANE3 | 808 E 5TH AVE APT A SAN MATEO, CA 94402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $1 | $37 | 0.11% |
| GEORGE MICHAEL SORRENTINO3 | 3055 RED SPRINGS DR LAS VEGAS, NV 89135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $34 | $37 | 0.11% |
| MERI HOWARD3 | 8465 W SAHARA AVE #111-308 LAS VEGAS, NV 89117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| SILVIA AGUILAR ALVISO3 | 5809 ALIMAR DR LAS VEGAS, NV 89130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| JOEY MIGUES3 Filed as: JOEY GRUBBS BENEFITS LLC | 525 TAYLOR RD MONTICELLO, FL 32344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.01% |
| EDGEWATER INSURANCE SOLUTIONS LLC3 Filed as: EDGEWATER INSURANCE SOLUTION INC | 11 HUMBOLDT CT PACIFICA, CA 94044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID B MERKHOFER | 2704 SETTER PL TALLAHASSEE, FL 32303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | ATT ACCOUNTING DEPARTMENT 2355 CRENSHAW BLVD STE 200 TORRANCE, CA 905013329 | VISION SERVICE PLAN | $1K | — | $1K | 4.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5666 CONCORD, CA 94524 | VISION SERVICE PLAN | $388 | — | $388 | 1.63% |
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 | 233 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 292 | $2.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $155K |
| Vision | VISION SERVICE PLAN | 190 | $24K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $155K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 292 | $2.0M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.