| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTER DRIVE, SUITE 500 SAN DIEGO, CA 92122 | CALIFORNIA PHYSICIANS SERVICE | $0 | $267K | $267K | 6.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTER DRIVE, SUITE 500 SAN DIEGO, CA 92122 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | $68 | $42K | 10.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE, SUITE 400 PARK 80 WEST, PLAZA TWO SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.15% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN INC | $13K | $719 | $14K | 4.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTER DRIVE, SUITE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $11K | $33K | 15.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY INC | 1340 TREAT BOULEVARD, SUITE 250 WALNUT CREEK, CA 94597 | METLIFE LEGAL PLANS | $2K | $0 | $2K | 6.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN COMPANY | PO BOX 740659 LOS ANGELES, CA 90074 | METLIFE LEGAL PLANS | $821 | $0 | $821 | 3.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DRIVE, SUITE 100 BUILDING 1 JOHNS CREEK, GA 30097 | METLIFE LEGAL PLANS | $0 | $265 | $265 | 1.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE, SUITE 400 PARK 80 WEST, PLAZA TWO SADDLE BROOK, NJ 07663 | METLIFE LEGAL PLANS | $0 | $34 | $34 | 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 | 718 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 718 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 1,041 | $4.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,192 | $405K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,192 | $405K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 718 | $219K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 718 | $219K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 718 | $219K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 1,041 | $4.5M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,192 | $649K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,192 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.