| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $90K | $90K | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90501 | AETNA LIFE INSURANCE CO. | $80K | — | $80K | 4.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90501 | VISION SERVICE PLAN | $160K | — | $160K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $154K | $12K | $166K | 10.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90501 | STANDARD INSURANCE COMPANY | $8K | $8K | $16K | 1.60% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS GRAY INS. AGENCY INC. | P.O. BOX 414 OSTERVILLE, MA 02655 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.12% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY LLC | 100 PEARL STREET THIRD FLOOR - WEST TOWER HARTFORD, CT 06103 | STANDARD INSURANCE COMPANY | $278 | — | $278 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $81K | $6K | $87K | 10.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90501 | STANDARD INSURANCE COMPANY | $7K | $5K | $12K | 2.58% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS GRAY INS. AGENCY INC. | P.O. BOX 414 OSTERVILLE, MA 02655 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.24% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY LLC | 100 PEARL STREET THIRD FLOOR - WEST TOWER HARTFORD, CT 06103 | STANDARD INSURANCE COMPANY | $99 | — | $99 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90501 | HARTFORD LIFE AND ACCIDENT | $19K | — | $19K | 9.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90501 | DELTA DENTAL OF CALIFORNIA | $7K | — | $7K | 4.58% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC. | 100 PEARL STREET, 3RD FLOOR WEST TOWER HARTFORD, CT 06103 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 8.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $858 | — | $858 | 15.01% |
| PACIFIC ADVISORS LLC3 | 333 INDIAN HILL BLVD. CLAREMONT, CA 91711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15 | — | $15 | 0.26% |
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 | 15,341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 91 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 708 | $146K |
| Vision | VISION SERVICE PLAN | 9,623 | $1.6M |
| Life insurance(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,787 | $7.8M |
| Short-term disability(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,787 | $7.8M |
| Long-term disability(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,787 | $8.1M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,787 | $7.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,623 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.