| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | AETNA LIFE INSURANCE COMPANY | $155K | $16K | $171K | 3.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | AETNA HEALTH, INC. | $112K | — | $112K | 3.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $395 | $4K | 14.17% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE, SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.81% |
| BRET BOEGER3 | 4551 W 107TH STREET, SUITE 310 OVERLAND, KS 66207 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.38% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE, SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.31% |
| BRET M BOEGER3 | 4551 W 107TH STREET, SUITE 310 OVERLAND PARK, KS 66207 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $279 | $26 | $305 | 1.12% |
| JAMES DAVIDSON3 | 1820 E FIRST STREET SANTA ANA, CA 92705 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.39% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE, SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $168 | — | $168 | 1.64% |
| CORESTREAM3 | 5404 CYPRESS CENTER DR, STE 130 TAMPA, FL 33609 | LEGALPLANS, USA | $358 | — | $358 | 24.98% |
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 | 1,321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,302 | $7.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,302 | $4.4M |
| Vision | VISION SERVICE PLAN | 669 | $50K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,321 | $155K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 444 | $89K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,300 | $64K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,302 | $7.6M |
| Other(6 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,321 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,321 | — |
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."
No prospect flags tripped on this filing.