| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | CALIFORNIA PHYSICIANS SERVICE | $91K | $1K | $92K | 3.07% |
| FLEMING ASSOCIATES INSURANCE AGENCY3 Filed as: FLEMING ASSOCIATES INS. AGENCY | 3000 CITRUS CENTER, SUITE 104 WALNUT CREEK, CA 94598 | CALIFORNIA PHYSICIANS SERVICE | -$3K | — | -$3K | -0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $59K | $2K | $60K | 17.75% |
| EMPLOYER PLAN SVCS INC3 Filed as: EMPLOYER PLAN SVCS INC. | 2180 NORTH LOOP WEST, SUITE 400 HOUSTON, TX 77018 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 6.50% |
| MARK S METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $14K | $14K | 4.05% |
| JOHN P PRESSLEY3 | 675 HARTZ AVENUE, SUITE 104 DANVILLE, CA 94526 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 3.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $738 | $18K | 9.49% |
| EMPLOYER PLAN SVCS INC3 | 2180 NORTH LOOP WEST, SUITE 400 HOUSTON, TX 77018 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 3.38% |
| MARK S METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $998 | $21K | 18.07% |
| EMPLOYER PLAN SVCS INC3 Filed as: EMPLOYER PLAN SVCS INC. | 2180 NORTH LOOP WEST, SUITE 400 HOUSTON, TX 77018 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 6.46% |
| MARK S METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 4.02% |
| JOHN P PRESSLEY3 | 675 HARTZ AVENUE, SUITE 104 DANVILLE, CA 94526 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 3.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $4K | 3.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | VISION SERVICE PLAN | $886 | — | $886 | 6.42% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 183 | $3.0M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $192K |
| Vision(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 205 | $3.0M |
| Life insurance | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | 189 | $26K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $115K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 192 | $341K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 183 | $3.0M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 195 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.