| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN AND ASSOCIATES | 2355 CRENSHAW BOULEVARD, SUITE 200 TORRANCE, CA 90501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $284K | $146K | $430K | 5.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN AND ASSOCIATES | 2355 CRENSHAW BOULEVARD, SUITE 200 TORRANCE, CA 90501 | VISION SERVICE PLAN | $117K | $0 | $117K | 7.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN AND ASSOCIATES | 2355 CRENSHAW BOULEVARD, SUITE 200 TORRANCE, CA 90501 | DELTA DENTAL OF CALIFORNIA | $7K | $0 | $7K | 4.96% |
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 | 13,210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 397 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,607 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 1,066 | $138K |
| Vision | VISION SERVICE PLAN | 8,915 | $1.5M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,579 | $7.6M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,579 | $7.6M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,579 | $7.6M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,579 | $7.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,915 | — |
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.