| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | DELTA DENTAL OF CALIFORNIA | $475K | — | $475K | 4.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | SUN LIFE ASSURANCE COMPANY OF CANADA | $946K | $95K | $1.0M | 11.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $13K | $55K | 3.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $108K | $21K | $129K | 11.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | DELTA DENTAL OF CALIFORNIA | $25K | — | $25K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | $18K | $61K | 14.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | $19K | $55K | 15.18% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER BENEFITS | 1099 18TH STREET, SUITE 2870 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | $4K | $36K | 10.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34K | — | $34K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $15K | $46K | 14.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | AETNA LIFE INSURANCE COMPANY | $10K | $483 | $11K | 3.80% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER BENEFITS | 1099 18TH STREET, SUITE 2870 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $5K | $30K | 10.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | — | $28K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $6K | $21K | 14.13% |
| ALEXANDER BENEFITS CONSULTING Filed as: ALEXANDER BENEFITS | 1099 18TH STREET, SUITE 2870 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $2K | $14K | 10.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $4K | $17K | 13.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $4K | $13K | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 14.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $973 | $6K | 12.03% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER BENEFITS | 1099 18TH STREET, SUITE 2870 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $737 | $5K | 10.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | FLAGSHIP HEALTH SYSTEMS | $2K | — | $2K | 4.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $949 | $4K | 13.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | SAFEGUARD HEALTH PLANS, INC. | $1K | $152 | $1K | 6.62% |
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 | 28,016 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 399 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(7 contracts, 5 carriers) | DELTA DENTAL OF CALIFORNIA | 11,870 | $14.4M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 19,648 | $3.2M |
| Life insurance(6 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 24,309 | $10.4M |
| Short-term disability(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 24,309 | $11.3M |
| Long-term disability(6 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 24,309 | $10.1M |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 24,309 | $9.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,309 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.