| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 921865638 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $94K | $3K | $96K | 3.86% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $21K | — | $21K | 0.84% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 921865638 | BLUE CROSS OF CALIFORNIA | $20K | $602 | $20K | 3.86% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | BLUE CROSS OF CALIFORNIA | $4K | — | $4K | 0.84% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 921865638 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $24K | — | $24K | 7.56% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $8K | — | $8K | 2.44% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 921865638 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $612 | $7K | 14.27% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.95% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 921865638 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $470 | $4K | 12.29% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.56% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 921865638 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $350 | $5K | 13.88% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 7.80% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $568 | — | $568 | 2.20% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 921865638 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $249 | $2K | 10.36% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $558 | — | $558 | 2.97% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740663 LOS ANGELES, CA 90074 | CONTINENTAL AMERICAL INSURANCE COMPANY | $4K | — | $4K | 26.22% |
| DEVAN L BERRY3 | 2955 COWLEY WAY STE 98 SAN DIEGO, CA 92117 | CONTINENTAL AMERICAL INSURANCE COMPANY | $3K | — | $3K | 21.09% |
| PAUL J LANGAS3 | 300 W 8TH ST UNIT 334 VANCOUVER, WA 98660 | CONTINENTAL AMERICAL INSURANCE COMPANY | $1K | — | $1K | 7.82% |
| CK GOHL INSURANCE SOLUTIONS3 | 5050 MURPHY CANYON RD STE 150 SAN DIEGO, CA 92123 | CONTINENTAL AMERICAL INSURANCE COMPANY | $706 | — | $706 | 4.30% |
| SHANNON J. JOHNSON MAYES3 Filed as: SHANNON J JOHNSON MAYES | 148 HOOKS DR MOUNT AIRY, NC 27030 | CONTINENTAL AMERICAL INSURANCE COMPANY | $409 | — | $409 | 2.49% |
| MARK HABER & ASSOC INC3 | 5050 MURPHY CANYON RD STE 150 SAN DIEGO, CA 92123 | CONTINENTAL AMERICAL INSURANCE COMPANY | $399 | — | $399 | 2.43% |
| DEREK SOMMERS3 | 518 N 39TH PL RIDGEFIELD, WA 98642 | CONTINENTAL AMERICAL INSURANCE COMPANY | $163 | — | $163 | 0.99% |
| CHARLES BRITT BERRIER JR3 Filed as: CHARLES B BERRIER JR | 640 CEDAR LN CANA, VA 24317 | CONTINENTAL AMERICAL INSURANCE COMPANY | $52 | — | $52 | 0.32% |
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 | 351 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 658 | $3.0M |
| Dental(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 330 | $346K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 658 | $2.5M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 351 | $83K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 281 | $35K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 351 | $19K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 658 | $3.0M |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 351 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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.