| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | BLUE CROSS OF CALIFORNIA | $35K | $13K | $49K | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | DELTA DENTAL OF CALIFORNIA | $99K | — | $99K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $7K | $36K | 9.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $881 | $338 | $1K | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | STANDARD INSURANCE COMPANY | $17K | $5K | $22K | 14.54% |
| NEDEAU, GARY, MICHAEL3 | 6251 SCHAEFER AVE CHINO, CA 91710 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $976 | $14K | 9.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $3K | $6K | 4.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | DELTA DENTAL OF CALIFORNIA | $6K | — | $6K | 9.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 8.20% |
| NEDEAU, GARY, MICHAEL3 | 6251 SCHAEFER AVENUE, SUITE E CHINO, CA 91710 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $82 | $2K | 5.27% |
| NEDEAU, GARY, MICHAEL3 | 6251 SCHAEFER AVENUE, SUITE E CHINO, CA 91710 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.88% |
| NEDEAU, GARY, MICHAEL3 | 6251 SCHAEFER AVE CHINO, CA 91710 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 8.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $693 | $616 | $1K | 6.68% |
| NEDEAU, GARY, MICHAEL3 | 6251 SCHAEFER AVE CHINO, CA 91710 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $444 | $43 | $487 | 11.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $12 | $25 | 0.59% |
| NEDEAU, GARY, MICHAEL3 | 6251 SCHAEFER AVENUE, SUITE E CHINO, CA 91710 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $285 | $13 | $298 | 8.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $93 | $49 | $142 | 3.83% |
| NEDEAU, GARY, MICHAEL3 | 6251 SCHAEFER AVE CHINO, CA 91710 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24 | — | $24 | 4.97% |
| NEDEAU, GARY, MICHAEL3 | 6251 SCHAEFER AVE CHINO, CA 91710 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 4.52% |
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 | 1,649 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,657 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 856 | $13.6M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 1,250 | $1.5M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,649 | $340K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,649 | $489K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,100 | $373K |
| Long-term disability(9 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,100 | $618K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 856 | $13.6M |
| Other(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,649 | $489K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,649 | — |
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.