| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE SUITE 500 SAN DIEGO, CA 92122 | AETNA LIFE INSURANCE COMPANY | $167K | $3K | $170K | 3.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE SUITE 500 SAN DIEGO, CA 92122 | AETNA HEALTH OF CALIFORNIA INC. | $50K | $35K | $84K | 3.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE SUITE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $89K | $10K | $99K | 16.62% |
| 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 | 16.63% |
| 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 | $887 | $0 | $887 | 2.78% |
| DEVAN L BERRY3 | 2955 COWLEY WAY #98 SAN DIEGO, CA 92117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $630 | $0 | $630 | 1.98% |
| MARK HABER & ASSOC INC3 | 9370 SKY PARK CT SUITE 250 SAN DIEGO, CA 92123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $486 | $0 | $486 | 1.53% |
| JORDREW INS SOLUTIONS INC3 | 5308 CORTE PLAYA JACINTO SAN DIEGO, CA 92124 | CONTINENTAL AMERICAN INSURANCE COMPANY | $482 | $0 | $482 | 1.51% |
| STEVE HEROUX ENTERPRISES3 | 11484 EASTRIDGE PLACE SAN DIEGO, CA 92131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $369 | $0 | $369 | 1.16% |
| MICHAEL P ZORN3 | AFLAC OFFICE 60 US HWY 46 FAIRFIELD, NJ 07004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $311 | $0 | $311 | 0.98% |
| KATHLEEN MACALLISTER3 | 11686 CARMEL CREEK RD #304 SAN DIEGO, CA 92130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $282 | $0 | $282 | 0.89% |
| CK GOHL INSURANCE SOLUTIONS3 | 6306 LUSK BLVD. SAN DIEGO, CA 91942 | CONTINENTAL AMERICAN INSURANCE COMPANY | $277 | $0 | $277 | 0.87% |
| BETH E FREDERICKSON3 | 60 ROUTE 46 EAST FAIRFIELD, NJ 07004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172 | $0 | $172 | 0.54% |
| ANDREW R GRETHEL3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $128 | $0 | $128 | 0.40% |
| MARILYN GOLDFISCHER3 Filed as: MARILYN L GOLDFISCHER | 124 W SADDLE RIVER ROAD SADDLE RIVER, NJ 07458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | $0 | $53 | 0.17% |
| MICHAEL A FORNARO3 | 271 ROUTE 46 WEST SUITE H119 FAIRFIELD, NJ 07004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | $0 | $49 | 0.15% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY ROAD SUITE 150 CARLSBAD, CA 92011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | $0 | $30 | 0.09% |
| CHRISTOPHER A STROUD3 | 120 SMITHTOWN RD HACKETTSTOWN, NJ 07840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | $0 | $27 | 0.08% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 37648 OXFORD DRIVE MURRIETA, CA 92562 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 0.06% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 0.04% |
| GARRETT L SMITH3 | 5050 MURPHY CANYON RD SAN DIEGO, CA 92123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.02% |
| 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 | 14.23% |
| 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 | $527 | $0 | $527 | 4.89% |
| MARY THERESA FISHER4 | 29C OWENS LANDING CT PERRYVILLE, MD 21903 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $74 | $0 | $74 | 0.69% |
| JESSE RAMOS4 | APT. 26 7331 SHELBY LN RANCHO CUCAMONGA, CA 91739 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $18 | $0 | $18 | 0.17% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | $113 | $13 | $126 | 16.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WAGEWORKS, INC. EIN 94-3351864 NONE | Claims processing; Contract Administrator Service code 12 | — | $12K |
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 | 475 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,095 | $7.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,095 | $5.0M |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,095 | $5.0M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 513 | $700K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 513 | $594K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 513 | $594K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,095 | $7.2M |
| Other(6 contracts, 5 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 513 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,095 | — |
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.