| 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 | $463K | — | $463K | 4.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | PO BOX 4328 TORRANCE, CA 90510 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1.1M | — | $1.1M | 14.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | PO BOX 4328 TORRANCE, CA 90510 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | $3K | $41K | 2.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | PO BOX 4328 TORRANCE, CA 90510 | DELTA DENTAL OF CALIFORNIA | $25K | — | $25K | 5.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | PO BOX 4328 TORRANCE, CA 90510 | AETNA LIFE INSURANCE COMPANY | $11K | — | $11K | 3.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | FLAGSHIP HEALTH SYSTEMS | $1K | — | $1K | 2.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | PO BOX 4328 TORRANCE, CA 90510 | SAFEGUARD HEALTH PLANS, INC. | $1K | $38 | $1K | 4.84% |
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 | 28,741 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 241 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,982 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(6 contracts, 5 carriers) | DELTA DENTAL OF CALIFORNIA | 11,421 | $11.9M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 15,596 | $2.6M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 28,741 | $7.5M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 28,741 | $7.5M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 28,741 | $7.5M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 28,741 | $7.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,741 | — |
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.