| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTER DRIVE, SUITE 500 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLANS INC. | $127K | $203 | $128K | 3.66% |
| AON CONSULTING INC3 Filed as: AON RISK SVCS INC OF FL INS SV | 13901 SUTTON PARK DRIVE S SUITE 360 BLDG C JACKSONVILLE, FL 32224 | KAISER FOUNDATION HEALTH PLANS INC. | $32K | — | $32K | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTER DRIVE, SUITE 500 SAN DIEGO, CA 92122 | CALIFORNIA PHYSICIANS SERVICE | $138K | $75 | $138K | 4.03% |
| AON CONSULTING INC3 Filed as: AON RISK SVCS OF FL INS SV | 13901 SUTTON PARK DRIVE S SUITE 360 BLDG C JACKSONVILLE, FL 32224 | CALIFORNIA PHYSICIANS SERVICE | $42K | — | $42K | 1.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTER DRIVE, SUITE 500 SAN DIEGO, CA 92122 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $40K | — | $40K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTER DRIVE, SUITE 500 SAN DIEGO, CA 92122 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 8.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INS SVCS | 707 WILSHIRE BLVD., SUITE 6000 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | $2K | $786 | $3K | 2.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTER DRIVE, SUITE 500 SAN DIEGO, CA 92122 | GERBER LIFE INSURANCE COMPANY/MES VISION | $6K | — | $6K | 8.49% |
| AON CONSULTING INC3 Filed as: AON RISK SVCS INC OF FL INS SV | 13901 SUTTON PARK DRIVE S SUITE 360 BLDG C JACKSONVILLE, FL 32224 | GERBER LIFE INSURANCE COMPANY/MES VISION | $1K | — | $1K | 1.58% |
| TEVIS INSURANCE SOLUTIONS3 Filed as: TEVIS INSURANCE SOLUTIONS LLC | 970 RESERVE DRIVE, SUITE 200 ROSEVILLE, CA 95678 | GERBER LIFE INSURANCE COMPANY/MES VISION | $9 | — | $9 | 0.01% |
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 | 1,138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS INC. | 612 | $6.9M |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 602 | $397K |
| Vision | GERBER LIFE INSURANCE COMPANY/MES VISION | 537 | $68K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,138 | $113K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,138 | $113K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,138 | $113K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS INC. | 612 | $6.9M |
| Other | HARTFORD LIFE AND ACCIDENT | 1,138 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,138 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.