| 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 | — | $76K | $76K | 1.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $31K | $60K | 3.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90501 | VISION SERVICE PLAN | $147K | — | $147K | 9.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $152K | $27K | $178K | 11.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $22K | $45K | 3.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $82K | $14K | $96K | 11.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $3K | $27K | 15.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90501 | DELTA DENTAL OF CALIFORNIA | $7K | — | $7K | 4.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $880 | $108 | $988 | 15.74% |
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 | 14,946 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 133 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,079 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTHCARE OF CALIFORNIA | 449 | $4.5M |
| Dental | DELTA DENTAL OF CALIFORNIA | 694 | $145K |
| Vision | VISION SERVICE PLAN | 9,447 | $1.6M |
| Life insurance(6 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,768 | $10.1M |
| Short-term disability(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,768 | $9.1M |
| Long-term disability(6 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,768 | $9.9M |
| Other(5 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,768 | $9.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,447 | — |
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.