| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTER DRIVE, SUITE 500 SAN DIEGO, CA 92122 | CALIFORNIA PHYSCIANS SERVICE | $48K | — | $48K | 4.75% |
| ALGENTIS, LLC3 | 201 NORTH CIVIC DRIVE, SUITE 100 WALNUT CREEK, CA 95496 | CALIFORNIA PHYSCIANS SERVICE | $3K | — | $3K | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 85638 SAN DIEGO, CA 92186 | KAISER FOUNDATION HEALTH PLAN INC | $23K | — | $23K | 6.16% |
| ALGENTIS, LLC3 | 388 MARKET STREET, SUITE 1430 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 0.77% |
| ALGENTIS, LLC3 | 333 WEST EL CAMINO REAL SUNNYVALE, CA 94087 | DELTA DENTAL OF CALIFORNIA | $15K | — | $15K | 8.00% |
| ALGENTIS, LLC3 | 333 WEST EL CAMINO REAL SUNNYVALE, CA 94087 | VISION SERVICE PLAN | $15K | — | $15K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 85638 SAN DIEGO, CA 92186 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.14% |
| ALGENTIS, LLC3 | 201 NORTH CIVIC DRIVE, SUITE 100 WALNUT CREEK, CA 94596 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $234 | — | $234 | 0.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $148 | $148 | 0.34% |
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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSCIANS SERVICE | 144 | $1.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 99 | $387K |
| Vision(2 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 99 | $387K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 98 | $44K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 98 | $44K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSCIANS SERVICE | 144 | $1.4M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 98 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.