| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 7.75% |
| W INSURANCE SERVICES INC3 | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.25% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $56 | $56 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 4.25% |
| W INSURANCE SERVICES INC3 | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 1.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | VISION SERVICE PLAN | $2K | — | $2K | 7.83% |
| W INSURANCE SERVICES INC3 | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | VISION SERVICE PLAN | $656 | — | $656 | 2.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | ZURICH AMEICAN INSURANCE COMPANY | $2K | — | $2K | 17.96% |
| HOORAY HEALTH LLC3 | 14755 PRESTON RD., SUITE 130 DALLAS, TX 75254 | ZURICH AMEICAN INSURANCE COMPANY | $920 | — | $920 | 10.54% |
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 | 503 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ZURICH AMEICAN INSURANCE COMPANY | 32 | $9K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 369 | $141K |
| Vision | VISION SERVICE PLAN | 343 | $30K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 503 | $210K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 503 | $210K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 503 | $210K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 503 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.