| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY BARNEY INS SVCS. 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | BLUE CROSS OF CALIFORNIA | $208K | — | $208K | 2.28% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY BARNEY INS SVCS. 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | DELTA DENTAL OF CALIFORNIA | $95K | — | $95K | 6.42% |
| GARY NEDEAU3 Filed as: GARY M. NEDEAU | 5690 SCHAEFER AVENUE, SUITE C CHINO, CA 91710 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 2.25% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY BARNEY INS SVCS. 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $10K | — | $10K | 2.28% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY BARNEY INS SVCS. 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | DELTA DENTAL OF CALIFORNIA | $9K | — | $9K | 9.00% |
| GARY NEDEAU3 Filed as: GARY M. NEDEAU | 6251 SCHAEFER AVENUE, SUITE E CHINO, CA 91710 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $45 | $4K | 6.95% |
| WJ BARRETT INSURANCE AGENCY INC.3 | P.O. BOX 2339 CAPISTRANO, CA 92624 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7 | $7 | 0.01% |
| GARY NEDEAU3 | 6251 SCHAEFER AVENUE, SUITE E CHINO, CA 91710 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $153 | $5K | 9.65% |
| GARY NEDEAU3 | 6251 SCHAEFER AVENUE, SUITE E CHINO, CA 91710 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 9.17% |
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 | 1,735 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,744 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 1,422 | $9.1M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 1,210 | $1.6M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,735 | $431K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,735 | $431K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,554 | $482K |
| Long-term disability(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,554 | $594K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 1,422 | $9.1M |
| Other | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,735 | $431K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,735 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.