| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | BLUE CROSS OF CALIFORNIA | $106K | $1K | $107K | 4.62% |
| AMWINS3 Filed as: LISI, INC. | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | BLUE CROSS OF CALIFORNIA | — | $36K | $36K | 1.55% |
| MARCENE MCFARLAND INSURANCE AGENCY3 | 202 FASHION LANE, SUITE 110 TUSTIN, CA 92780 | BLUE CROSS OF CALIFORNIA | $3K | — | $3K | 0.12% |
| CHRISTINE M GERAGHTY3 | 18032 LEMON DRIVE, #C-136 YORBA LINDA, CA 92886 | BLUE CROSS OF CALIFORNIA | $1K | — | $1K | 0.06% |
| GLORIA J RUSSELL3 | 4324 HOLLOW TREE COURT YORBA LINDA, CA 92886 | BLUE CROSS OF CALIFORNIA | $1K | — | $1K | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $17K | — | $17K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | ANTHEM LIFE INSURANCE COMPANY | $3K | $36 | $3K | 4.62% |
| AMWINS3 Filed as: LISI, INC. | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | ANTHEM LIFE INSURANCE COMPANY | — | $1K | $1K | 1.55% |
| MARCENE MCFARLAND INSURANCE AGENCY3 | 202 FASHION LANE, SUITE 110 TUSTIN, CA 92780 | ANTHEM LIFE INSURANCE COMPANY | $87 | — | $87 | 0.12% |
| CHRISTINE M GERAGHTY3 | 18032 LEMON DRIVE, #C-136 YORBA LINDA, CA 92886 | ANTHEM LIFE INSURANCE COMPANY | $43 | — | $43 | 0.06% |
| GLORIA J RUSSELL3 | 4324 HOLLOW TREE COURT YORBA LINDA, CA 92886 | ANTHEM LIFE INSURANCE COMPANY | $43 | — | $43 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $3K | $33 | $3K | 4.62% |
| AMWINS3 Filed as: LISI, INC. | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $1K | $1K | 1.55% |
| MARCENE MCFARLAND INSURANCE AGENCY3 | 202 FASHION LANE, SUITE 110 TUSTIN, CA 92780 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $79 | — | $79 | 0.12% |
| CHRISTINE M GERAGHTY3 | 18032 LEMON DRIVE, #C-136 YORBA LINDA, CA 92886 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $40 | — | $40 | 0.06% |
| GLORIA J RUSSELL3 | 4324 HOLLOW TREE COURT YORBA LINDA, CA 92886 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $40 | — | $40 | 0.06% |
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 | 151 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 135 | $2.3M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 132 | $243K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 155 | $66K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 155 | $66K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 155 | $72K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 155 | $72K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 135 | $2.3M |
| Other | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 155 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.