| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $144K | — | $144K | 8.39% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 102159 PASADENA, CA 91189 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $359 | — | $359 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 8.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 8.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | CIGNA HEALTHCARE OF CALIFORNIA | $21K | — | $21K | 18.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 8.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | VISION SERVICE PLAN | $1K | — | $1K | 2.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $859 | $69 | $928 | 14.14% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX BENEFIT TECHNOLOGY, INC. | 2385 NORTHSIDE DR., SUITE 100 SAN DIEGO, CA 92108 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $172 | $172 | 2.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $790 | $66 | $856 | 14.30% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX BENFIT TECHNOLOGY, INC. | 2385 NORTHSIDE DR., SUITE 100 SAN DIEGO, CA 92108 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $158 | $158 | 2.64% |
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 | 362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,025 | $1.8M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,025 | $1.8M |
| Vision | VISION SERVICE PLAN | 368 | $52K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 362 | $221K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 362 | $24K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 362 | $114K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,025 | $1.8M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 362 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,025 | — |
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.