| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED HEALTHCARE INSURANCE COMPANY | $170K | $9K | $179K | 2.85% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 4480 WILLOW ROAD PLEASANTON, CA 94588 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 0.15% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSON, MA 02110 | UNITED HEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.03% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES LLC | 130 THEORY STREET, SUITE 200 IRVINE, CA 92617 | UNITED HEALTHCARE INSURANCE COMPANY | $28 | — | $28 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN INC | $25K | $1 | $25K | 1.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 750 B STREET, SUITE 2400 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 0.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | HARTFORD LIFE AND ACCIDENT | $57K | — | $57K | 10.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | -$946 | $3K | $2K | 0.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS, INC | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $877 | — | $877 | 0.41% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF - JOHN BURNHAM INS SVCS | PO BOX 896620 CHARLOTTE, NC 28289 | EYEMED | $5K | — | $5K | 5.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | EYEMED | $5K | — | $5K | 5.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 10 SAN DIEGO, CA 92122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 1,246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 50 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,872 | $8.4M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 1,872 | $6.3M |
| Vision | EYEMED | 1,299 | $103K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,309 | $517K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 50 | $22K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,309 | $517K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 242 | $2.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 1,309 | $517K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,872 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.