| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TEAGUE INSURANCE AGENCY, INC.3 Filed as: TEAGUE FINANCIAL INSURANCE SERVICES | 4710 4TH STREET LA MESA, MA 91941 | AETNA HEALTH, INC. | $40K | — | $40K | 3.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | AETNA HEALTH, INC. | $17K | — | $17K | 1.60% |
| TEAGUE INSURANCE AGENCY, INC.3 | 4710 4TH STREET LA MESA, MA 91941 | SIMNSA | $34K | — | $34K | 7.00% |
| TEAGUE INSURANCE AGENCY, INC.3 Filed as: TEAGUE FINANCIAL INSURANCE SERVICES | 4710 4TH STREET LA MESA, MA 91941 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 5.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | AETNA LIFE INSURANCE COMPANY | $3K | $4K | $7K | 3.65% |
| TEAGUE INSURANCE AGENCY, INC.3 Filed as: TEAGUE FINANCIAL INSURANCE SERVICES | 4710 4TH STREET LA MESA, MA 91941 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 12.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $611 | $1K | $2K | 6.87% |
| TEAGUE INSURANCE AGENCY, INC.3 Filed as: TEAGUE FINANCIAL INSURANCE SERVICES | 4710 4TH STREET LA MESA, MA 91941 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $941 | — | $941 | 14.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $64 | $158 | $222 | 3.31% |
| TEAGUE INSURANCE AGENCY, INC.3 Filed as: TEAGUE FINANCIAL INSURANCE SERVICES | 4710 4TH STREET LA MESA, MA 91941 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $424 | — | $424 | 13.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $34 | $76 | $110 | 3.60% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 1.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.52% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 171 | $1.7M |
| Dental(2 contracts, 2 carriers) | SIMNSA | 171 | $683K |
| Vision | AETNA LIFE INSURANCE COMPANY | 171 | $193K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $31K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 42 | $7K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 171 | $1.7M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.