| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY | 9171 TOWNE CENTRE DRIVE SUITE 500 SAN DIEGO, CA 92122 | UNITED HEALTHCARE INSURANCE COMPANY | $150K | $0 | $150K | 3.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY | 9171 TOWNE CENTRE DRIVE SUITE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $70K | $23K | $93K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY | 9171 TOWNE CENTRE DRIVE SUITE 500 SAN DIEGO, CA 92122 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | $4K | $48K | 10.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE STE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $4K | $16K | 20.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY | 9171 TOWNE CENTRE DRIVE SUITE 500 SAN DIEGO, CA 92122 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $4K | $0 | $4K | 7.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC. | LOCKBOX 740663 LOS ANGELES, CA 90074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 23.23% |
| KATHLEEN MACALLISTER3 Filed as: KATHLEEN MCALLISTER | 11686 CARMEL CREEK RD #304 SAN DIEGO, CA 92130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 12.27% |
| JORDREW INS SOLUTIONS INC3 | 5308 CORTE PLAYA JACINTO SAN DIEGO, CA 92124 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 8.86% |
| STEVE HEROUX ENTERPRISES3 | 11484 EASTRIDGE PLACE SAN DIEGO, CA 92131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 7.14% |
| MARK HABER & ASSOC INC3 | 9370 SKY PARK CT SUITE 250 SAN DIEGO, CA 92123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 6.52% |
| BETH E FREDERICKSON3 | 60 ROUTE 46 EAST FAIRFIELD, NJ 07004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.75% |
| ANDREW R GRETHEL3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $907 | $0 | $907 | 3.26% |
| MICHAEL P ZORN3 | AFLAC OFFICE 60 US HWY 46 FAIRFIELD, NJ 07004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $819 | $0 | $819 | 2.94% |
| MICHAEL A FORNARO3 | 271 ROUTE 46 WEST SUITE H119 FAIRFIELD, NJ 07004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $214 | $0 | $214 | 0.77% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY ROAD SUITE 150 CARLSBAD, CA 92011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $187 | $0 | $187 | 0.67% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 37648 OXFORD DRIVE MURRIETA, CA 92562 | CONTINENTAL AMERICAN INSURANCE COMPANY | $174 | $0 | $174 | 0.63% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | $0 | $41 | 0.15% |
| DEVAN L BERRY3 | 2955 COWLEY WAY #98 SAN DIEGO, CA 92117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.04% |
| CK GOHL INSURANCE SOLUTIONS3 | 6306 LUSK BLVD. SAN DIEGO, CA 91942 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| CHRISTA G AUFDEMBERG INC4 Filed as: CHRISTA G. AUFDEMBERG INC. | 13102 BRITTANY WOODS DR TUSTIN, CA 92780 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $4K | $0 | $4K | 22.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY A MARSH & | MCLENNAN AGENCY LLC CO P.O. BOX 85638 SAN DIEGO, CA 92186 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 6.27% |
| MARY THERESA FISHER4 | 25C OWNES LANDING CT. PERRYVILLE, MD 21903 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $125 | $0 | $125 | 0.65% |
| ALBERT L HURT4 Filed as: ALBERT L. HURT | 12437 PROSPECT NE ALBUQUERQUE, NM 87112 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $33 | $0 | $33 | 0.17% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | $113 | $0 | $113 | 15.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WAGEWORKS, INC. EIN 94-3351864 NONE | Claims processing; Contract Administrator Service code 12 | — | $9K |
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 | 458 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 974 | $4.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,249 | $457K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 390 | $51K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 496 | $545K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 496 | $465K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 496 | $465K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 974 | $4.5M |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 496 | $593K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,249 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.