| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | SUN LIFE ASSURANCE COMPANY OF CANADA | $969K | — | $969K | 10.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 4.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $19K | $28K | 23.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $518 | $292 | $810 | 11.96% |
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 | 25,839 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 173 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 26,012 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(5 contracts, 4 carriers) | DELTA DENTAL OF CALIFORNIA | 11,725 | $9.2M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 14,099 | $2.4M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 25,839 | $9.6M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 25,839 | $9.6M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 25,839 | $9.6M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 25,839 | $9.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,839 | — |
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."
No prospect flags tripped on this filing.