| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | PO BOX 4328 TORRANCE, CA 90510 | DELTA DENTAL OF CALIFORNIA | $338K | — | $338K | 3.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | PO BOX 4328 TORRANCE, CA 90510 | SUN LIFE ASSURANCE COMPANY OF CANADA | $340K | $34K | $373K | 10.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | PO BOX 4328 TORRANCE, CA 90510 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $14K | $54K | 3.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | PO BOX 4328 TORRANCE, CA 90510 | METROPOLITAN LIFE INSURANCE COMPANY | $47K | $18K | $65K | 5.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | PO BOX 4328 TORRANCE, CA 90510 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 3.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | PO BOX 4328 TORRANCE, CA 90510 | DELTA DENTAL OF CALIFORNIA | $22K | — | $22K | 4.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | PO BOX 4328 TORRANCE, CA 90510 | AETNA LIFE INSURANCE COMPANY | $13K | — | $13K | 3.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | PO BOX 4328 TORRANCE, CA 90510 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $3K | $20K | 6.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | PO BOX 4328 TORRANCE, CA 90510 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $4K | $17K | 6.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCAITES | PO BOX 4328 TORRANCE, CA 90510 | FLAGSHIP HEALTH SYSTEMS | $2K | — | $2K | 5.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | PO BOX 4328 TORRANCE, CA 90510 | SAFEGUARD HEALTH PLANS, INC. | $1K | $227 | $2K | 5.95% |
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 | 19,645 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 138 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,783 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(10 contracts, 5 carriers) | DELTA DENTAL OF CALIFORNIA | 8,618 | $13.5M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 15,528 | $2.6M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 19,645 | $3.6M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 19,645 | $3.6M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 19,645 | $3.6M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 19,645 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,645 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.