| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN INSURANCE AGENCY | 9171 TOWNE CENTER DRIVE SUITE 500 SAN DIEGO, CA 92122 | BLUE SHIELD OF CALIFORNIA | $211 | $156K | $156K | 2.98% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 1500 SOUTH LAKESIDE DRIVE BANNOCKBURN, IL 60015 | BLUE SHIELD OF CALIFORNIA | $117 | $91K | $91K | 1.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | TUFTS INSURANCE COMPANY | $23K | — | $23K | 1.95% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN INC | $22K | — | $22K | 2.95% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROWINSURANCE SERVICES., INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 1.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $13K | — | $13K | 2.22% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | HARTOFRD LIFE AND ACCIDENT | $59K | — | $59K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES HOUSTON | 200 SOUTH WACKER DRIVE SUITE 3030 CHICAGO, IL 60606 | HARTOFRD LIFE AND ACCIDENT | $23K | — | $23K | 5.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | HARTOFRD LIFE AND ACCIDENT | — | $7K | $7K | 1.70% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 3.44% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES., INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 1.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC COMPANY | PO BOX 740659 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $6K | — | $6K | 6.55% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $3K | — | $3K | 3.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | — | DELTA DENTAL OF CALIFORNIA | $23K | — | $23K | 65.37% |
| MESIROW INSURANCE SERVICES INC3 | — | DELTA DENTAL OF CALIFORNIA | $12K | — | $12K | 34.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN DBA BARNEY & BARNE | 9171 TOWNE CENTER DRIVE #100 SAN DIEGO, CA 92122 | HARTFORD LIFE AND ACCIDENT | $2K | $333 | $3K | 17.15% |
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 | 697 | 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) | 700 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | BLUE SHIELD OF CALIFORNIA | 464 | $7.9M |
| Dental | DELTA DENTAL OF CALIFORNIA | 640 | $35K |
| Vision | VISION SERVICE PLAN | 643 | $88K |
| Life insurance | HARTOFRD LIFE AND ACCIDENT | 693 | $392K |
| Short-term disability | HARTOFRD LIFE AND ACCIDENT | 693 | $392K |
| Long-term disability | HARTOFRD LIFE AND ACCIDENT | 693 | $392K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 464 | $5.2M |
| Other(2 contracts, 2 carriers) | HARTOFRD LIFE AND ACCIDENT | 693 | $408K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 693 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.