| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | CALIFORNIA PHYSICIANS SERVICE | $37 | $125K | $125K | 3.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN INC. | $32K | $2 | $32K | 1.73% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | -$5K | — | -$5K | -0.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $4K | $16K | 7.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | VISION SERVICE PLAN | $2K | — | $2K | 2.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $408 | — | $408 | 0.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | EYEMED VISION CARE | $2K | — | $2K | 9.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $144 | — | $144 | 0.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $446 | — | $446 | 2.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 199 FREMONT, SUITE 1500 SAN FRANCISCO, CA 94015 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $24 | — | $24 | 0.13% |
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 | 1,686 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,728 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS SERVICE | 390 | $5.9M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 438 | $133K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,489 | $225K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,489 | $225K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,489 | $225K |
| Prescription drug(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS SERVICE | 390 | $5.9M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,489 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,489 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.