| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | CALIFORNIA PHYSICIANS SERVICE | $325 | $304K | $304K | 3.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | DELTA DENTAL OF CALIFORNIA | $70K | — | $70K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | HARTFORD LIFE AND ACCIDENT | $76K | $9K | $86K | 19.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | VISION SERVICE PLAN | $9K | — | $9K | 9.11% |
| CHRISTOPHER B GAUKLER4 | 38592 WINDINGWALK DRIVE MURRIETA, CA 92563 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 8.25% |
| MARSH & MCLENNAN AGENCY LLC4 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 6.05% |
| LYNN R LIONHOOD4 | 140 POND VIEW DR WATER TOWN, CT 06795 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $174 | — | $174 | 0.75% |
| CRISTA G AUFDEMBERG INC4 | 13102 BRITTANY WOOD DRIVE TUSTIN, CA 92780 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $86 | — | $86 | 0.37% |
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 | 836 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 847 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 672 | $9.4M |
| Dental | DELTA DENTAL OF CALIFORNIA | 708 | $704K |
| Vision | VISION SERVICE PLAN | 623 | $101K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 838 | $444K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 838 | $444K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 838 | $444K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 672 | $9.4M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 838 | $468K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 838 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.