| 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 | AETNA LIFE INSURANCE COMPANY | $136K | $170 | $136K | 3.35% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY BARNEY INS SVCS. 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | AETNA HEALTH OF CALIFORNIA INC. | $44K | $0 | $44K | 2.45% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY BARNEY INS SVCS. 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $81K | $11K | $92K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE DRIVE STE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $2K | $18K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC HQ | 360 HAMILTON AVE STE 930 WHITE PLAINS, NY 10601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC. | LOCKBOX 740663 LOS ANGELES, CA 90074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 9.24% |
| KATHLEEN MACALLISTER3 | 11686 CARMEL CREEK RD #304 SAN DIEGO, CA 92130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.00% |
| JORDREW INS SOLUTIONS INC3 | 5308 CORTE PLAYA JACINTO SAN DIEGO, CA 92124 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.60% |
| STEVE HEROUX ENTERPRISES3 | 11484 EASTRIDGE PLACE SAN DIEGO, CA 92131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.27% |
| MARK HABER & ASSOC INC3 | 9370 SKY PARK CT SUITE 250 SAN DIEGO, CA 92123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $975 | $0 | $975 | 3.04% |
| BETH E FREDERICKSON3 | 60 ROUTE 46 EAST FAIRFIELD, NJ 07004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $629 | $0 | $629 | 1.96% |
| MICHAEL P ZORN3 | AFLAC OFFICE 60 US HWY 46 FAIRFIELD, NJ 07004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $533 | $0 | $533 | 1.66% |
| DEVAN L BERRY3 | 2955 COWLEY WAY #98 SAN DIEGO, CA 92117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $484 | $0 | $484 | 1.51% |
| ANDREW R GRETHEL3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $383 | $0 | $383 | 1.19% |
| CK GOHL INSURANCE SOLUTIONS3 | 6306 LUSK BLVD. SAN DIEGO, CA 91942 | CONTINENTAL AMERICAN INSURANCE COMPANY | $192 | $0 | $192 | 0.60% |
| MICHAEL A FORNARO3 | 271 ROUTE 46 WEST SUITE H119 FAIRFIELD, NJ 07004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | $0 | $117 | 0.36% |
| MARILYN GOLDFISCHER3 Filed as: MARILYN L GOLDFISCHER | 124 W SADDLE RIVER ROAD SADDLE RIVER, NJ 07458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | $0 | $97 | 0.30% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY ROAD SUITE 150 CARLSBAD, CA 92011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87 | $0 | $87 | 0.27% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 37648 OXFORD DRIVE MURRIETA, CA 92562 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | $0 | $73 | 0.23% |
| CHRISTOPHER A STROUD3 | 120 SMITHTOWN RD HACKETTSTOWN, NJ 07840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | $0 | $35 | 0.11% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | $0 | $25 | 0.08% |
| CHRISTA G AUFDEMBERG INC4 Filed as: CHRISTA G. AUFDEMBERG INC. | 13201 BRITANY WOODS DR. TUSTIN, CA 92780 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | $0 | $2K | 22.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY LLC | P.O. BOX 85638 SAN DIEGO, CA 92186 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $479 | $0 | $479 | 5.06% |
| JESSE RAMOS4 | #26 7331 SHELBY LN. RANCHO CUCAMONGA, CA 91739 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $54 | $0 | $54 | 0.57% |
| MARY THERESA FISHER4 | 29C OWENS LANDING CT. PERRYVILLE, MD 21903 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $33 | $0 | $33 | 0.35% |
| 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 | Contract Administrator; Claims processing Service code 12 | — | $11K |
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 | 492 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,033 | $5.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,033 | $4.1M |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,033 | $4.1M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 491 | $650K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 491 | $542K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 491 | $542K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,033 | $5.9M |
| Other(6 contracts, 5 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 491 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,033 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.