| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | UNITED HEALTHCARE INSURANCE COMPANY | $192K | $12K | $204K | 5.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN INC. | $64K | $4K | $68K | 4.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | UNITED HEALTH INSURANCE COMPANY | $21K | — | $21K | 9.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | $72 | $3K | 4.11% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS - SEE ATTACHMENT | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $12K | $2K | $14K | 24.26% |
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 | 906 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 911 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,167 | $5.5M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 1,167 | $3.8M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,167 | $3.8M |
| Life insurance | UNITED HEALTH INSURANCE COMPANY | 906 | $232K |
| Short-term disability | UNITED HEALTH INSURANCE COMPANY | 906 | $232K |
| Long-term disability | UNITED HEALTH INSURANCE COMPANY | 906 | $232K |
| Prescription drug(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,167 | $5.5M |
| Other(2 contracts, 2 carriers) | UNITED HEALTH INSURANCE COMPANY | 906 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,167 | — |
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.