| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | SUN LIFE ASSURANCE COMPANY OF CANADA | $881K | $135K | $1.0M | 11.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | DELTA DENTAL OF CALIFORNIA | $417K | — | $417K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $156 | $27K | 2.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | DELTA DENTAL OF CALIFORNIA | $16K | — | $16K | 5.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | AETNA LIFE INSURANCE CO. | $9K | $33 | $9K | 3.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | SAFEGUARD HEALTH PLANS, INC. | $960 | $140 | $1K | 5.58% |
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 | 22,470 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 150 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22,620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(5 contracts, 4 carriers) | DELTA DENTAL OF CALIFORNIA | 12,234 | $10.0M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 14,264 | $2.3M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 22,470 | $8.5M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 22,470 | $8.5M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 22,470 | $8.5M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 22,470 | $8.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,470 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.