| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | CALIFORNIA CHOICE | $13K | — | $13K | 3.39% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENFIT GROUP | — | CALIFORNIA CHOICE | $10K | — | $10K | 2.64% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 910 E HAMILTON AVE., SUITE 410 CAMBELL, CA 95008 | CALIFORNIA CHOICE | $6K | — | $6K | 1.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | SUN LIFE ASSURANCE COMPANNY OF CANADA | $11K | — | $11K | 9.35% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 910 E HAMILTON AVE., SUITE 410 CAMBELL, CA 95008 | PRINCIPAL LIFE INSURANCE COMPANY | $474 | $1K | $2K | 8.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.15% |
| GA SOLUTINS LLC3 | 311 CLOCK TOWER CMNS BREWSTER, NY 10509 | PRINCIPAL LIFE INSURANCE COMPANY | $987 | — | $987 | 4.70% |
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 | 256 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA CHOICE | 62 | $379K |
| Dental | SUN LIFE ASSURANCE COMPANNY OF CANADA | 273 | $117K |
| Vision | SUN LIFE ASSURANCE COMPANNY OF CANADA | 273 | $117K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANNY OF CANADA | 296 | $138K |
| Short-term disability | SUN LIFE ASSURANCE COMPANNY OF CANADA | 273 | $117K |
| Long-term disability | SUN LIFE ASSURANCE COMPANNY OF CANADA | 273 | $117K |
| Prescription drug | CALIFORNIA CHOICE | 62 | $379K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 296 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.