| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTER DRIVE, SUITE 100 SAN DIEGO, CA 92122 | CALIFORNIA PHYSICIANS SERVICE | $280K | $133 | $280K | 5.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTER DRIVE, SUITE 100 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLANS INC. | $172K | $789 | $173K | 4.49% |
| 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 | KAISER FOUNDATION HEALTH PLANS INC. | $19 | — | $19 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN INC. | $32K | $359 | $32K | 4.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTER DRIVE, SUITE 100 SAN DIEGO, CA 92122 | HARTFORD LIFE AND ACCIDENT | $24K | $3K | $27K | 11.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INS SVCS | 707 WILSHIRE BLVD., SUITE 6000 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | $12 | $334 | $346 | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTER DRIVE, SUITE 100 SAN DIEGO, CA 92122 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTER DRIVE, SUITE 100 SAN DIEGO, CA 92122 | GERBER LIFE INSURANCE COMPANY/MES VISION | $9K | — | $9K | 9.77% |
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 | 1,224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 648 | $9.9M |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 872 | $219K |
| Vision | GERBER LIFE INSURANCE COMPANY/MES VISION | 793 | $94K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,606 | $242K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,606 | $242K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,606 | $242K |
| Prescription drug(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 648 | $9.9M |
| Other | HARTFORD LIFE AND ACCIDENT | 1,606 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,606 | — |
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.