| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | PO BOX 4328 TORRANCE, CA 90510 | BLUE CROSS OF CALIFORNIA | — | $941 | $941 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | KAISER FOUNDATION HEALTH PLAN INC. | $13K | — | $13K | 3.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMINISTRATORS INC | 721 S PARKER ST STE 200 ORANGE, CA 92868 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | — | $3K | 0.59% |
| VARIOUS - SEE ATTACHED3 | C/O COLONIAL LIFE P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52K | $5K | $57K | 19.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | PO BOX 4328 TORRANCE, CA 90510 | BLUE CROSS OF CALIFORNIA | $16K | — | $16K | 9.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMINISTRATORS INC | 721 S PARKER ST ORANGE, CA 92868 | BLUE CROSS OF CALIFORNIA | — | $3K | $3K | 1.89% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 435 WHITTINGTON PKWY SUITE 300 LOUISVILLE, KY 40222 | BLUE CROSS OF CALIFORNIA | — | $2K | $2K | 1.10% |
| VARIOUS - SEE ATTACHED3 | C/O COLONIAL LIFE P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31K | $4K | $34K | 23.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD STE 200 TORRANCE, CA 90501 | ANTHEM LIFE INSURANCE COMPANY | $226 | — | $226 | 0.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMINISTRATORS INC | 721 S PARKER ORANGE, CA 92868 | ANTHEM LIFE INSURANCE COMPANY | — | $45 | $45 | 0.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | PO BOX 4328 TORRANCE, CA 90510 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 9.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMINISTRATORS INC | 721 S PARKER ST ORANGE, CA 92868 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $370 | $370 | 1.89% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 435 WHITTINGTON PKWY SUITE 300 LOUISVILLE, KY 40222 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $216 | $216 | 1.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD STE 200 TORRANCE, CA 90501 | ANTHEM LIFE INSURANCE COMPANY | $173 | — | $173 | 1.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMINISTRATORS INC | 721 S PARKER ORANGE, CA 92868 | ANTHEM LIFE INSURANCE COMPANY | — | $35 | $35 | 0.21% |
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 | 236 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 90 | $1.2M |
| Dental | BLUE CROSS OF CALIFORNIA | 388 | $172K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 313 | $20K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 236 | $17K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 208 | $23K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 75 | $424K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 236 | $450K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.