| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | BLUE CROSS OF CALIFORNIA | $147K | $20K | $167K | 2.76% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | BLUE CROSS OF CALIFORNIA | $89K | $0 | $89K | 1.48% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS LLC | 9370 SKY PARK COURT, SUITE 250 SAN DIEGO, CA 92123 | RELIASTAR LIFE INSURANCE COMPANY | $28K | $0 | $28K | 32.66% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PO BOX 740659 LOS ANGELES, CA 90074 | RELIASTAR LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | LOCK BOX 740659 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 13.13% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS LLC | 9370 SKY PARK COURT SAN DIEGO, CA 92123 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 10.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $516 | $516 | 4.11% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62683 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $375 | $0 | $375 | 2.99% |
| VICTOR RODRIGUEZ4 | 12 STONEBROOK IRVINE, CA 92620 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $710 | $0 | $710 | 10.83% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: BARNEY & BARNEY | PO BOX 85638 SAN DIEGO, CA 92186 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $385 | $0 | $385 | 5.87% |
| CHRISTA G AUFDEMBERG INC4 Filed as: CHRISTA G. AUFDEMBERG, INC. | 13102 BRITTANY WOODS DRIVE TUSTIN, CA 92780 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $48 | $0 | $48 | 0.73% |
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 | 509 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 70 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 960 | $6.0M |
| Dental | BLUE CROSS OF CALIFORNIA | 960 | $6.0M |
| Vision | BLUE CROSS OF CALIFORNIA | 960 | $6.0M |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 960 | $6.1M |
| Short-term disability | BLUE CROSS OF CALIFORNIA | 960 | $6.0M |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 960 | $6.0M |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 960 | $6.0M |
| Other(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 960 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 960 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.