| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN INC. | $18K | — | $18K | 2.92% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES, INC. | 100 NORTH FIRST STREET BURBANK, CA 91502 | KAISER FOUNDATION HEALTH PLAN INC. | $10K | — | $10K | 1.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.68% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES, INC. | 100 NORTH FIRST STREET BURBANK, CA 91502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $694 | $306 | $1K | 4.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $880 | — | $880 | 6.76% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES, INC. | 100 NORTH FIRST STREET BURBANK, CA 91502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $422 | $177 | $599 | 4.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.86% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES, INC. | 100 NORTH FIRST STREET BURBANK, CA 91502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $592 | $347 | $939 | 8.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $672 | — | $672 | 6.81% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES, INC. | 100 NORTH FIRST STREET BURBANK, CA 91502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $314 | $273 | $587 | 5.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | UNION SECURITY INSURANCE COMPANY | $607 | $66 | $673 | 7.17% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES, INC. | 100 NORTH FIRST STREET BURBANK, CA 91502 | UNION SECURITY INSURANCE COMPANY | $332 | — | $332 | 3.54% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 133 | $614K |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $34K |
| Vision | UNION SECURITY INSURANCE COMPANY | 55 | $9K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $21K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 133 | $614K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.