| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | BLUE CROSS OF CALIFORNIA | $20K | — | $20K | 2.99% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE, #4500 TUCSON, AZ 85711 | BLUE CROSS OF CALIFORNIA | $15K | — | $15K | 2.21% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | BLUE CROSS OF CALIFORNIA | $9 | — | $9 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | SUTTER HEALTH PLAN | $14K | — | $14K | 3.26% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE, #4500 TUCSON, AZ 85711 | SUTTER HEALTH PLAN | $8K | — | $8K | 1.72% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT BENEFITS LLC | 9370 SKY PARK CT, STE 250 SAN DIEGO, CA 92123 | TRANSAMERICA LIFE INSURANCE COMPANY | $27K | — | $27K | 25.12% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE, #4500 TUCSON, AZ 85711 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 5.91% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 3.97% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LIMITED | 9420 E DOUBLETREE RANCH RD SUITE C-103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $842 | — | $842 | 0.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.97% |
| CREST INSURANCE GROUP LLC3 | 2321 N 4TH STREET FLAGSTAFF, AZ 86004 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $298 | — | $298 | 2.99% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE, #4500 TUCSON, AZ 85711 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $220 | — | $220 | 2.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | EYEMED VISION CARE | $359 | — | $359 | 5.37% |
| CREST INSURANCE GROUP LLC3 | 9820 WILLCW CREEK RD, STE 375 SAN DIEGO, CA 92131 | EYEMED VISION CARE | $205 | — | $205 | 3.07% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | EYEMED VISION CARE | $36 | — | $36 | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $492 | — | $492 | 10.21% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE, #4500 TUCSON, AZ 85711 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $231 | — | $231 | 4.79% |
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 | 335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 106 | $1.1M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 160 | $718K |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 96 | $17K |
| Life insurance(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 175 | $152K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 155 | $106K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 106 | $1.1M |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 175 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.