| 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 | $213K | $99K | $311K | 3.96% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 LA JOLLA, CA 91185 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $59K | $47K | $106K | 1.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN AND ASSOCIATES | 2355 CRENSHAW BOULEVARD, SUITE 200 TORRANCE, CA 90501 | VISION SERVICE PLAN | $108K | $0 | $108K | 7.47% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 LA JOLLA, CA 91185 | VISION SERVICE PLAN | $55K | $0 | $55K | 3.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN AND ASSOCIATES | 2355 CRENSHAW BOULEVARD, SUITE 200 TORRANCE, CA 90501 | DELTA DENTAL OF CALIFORNIA | $120K | $0 | $120K | 18.78% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 LA JOLLA, CA 91185 | DELTA DENTAL OF CALIFORNIA | $108K | $0 | $108K | 16.95% |
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 | 12,010 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 498 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 8,458 | $636K |
| Vision | VISION SERVICE PLAN | 8,527 | $1.4M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,942 | $7.9M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,942 | $7.9M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,942 | $7.9M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,942 | $7.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,527 | — |
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.