| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY BARNEY INS SVCS. 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | CALIFORNIA PHYSICIANS SERVICE | $28K | $68 | $28K | 0.98% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY BARNEY INS SVCS. 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | CALIFORNIA PHYSICIANS SERVICE | — | $2K | $2K | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $53K | — | $53K | 14.79% |
| JOHN P PRESSLEY3 | 675 HARTZ AVENUE, SUITE 104 DANVILLE, CA 94526 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 2.39% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY BARNEY INS SVCS. 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | — | $24K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY BARNEY INS SVCS 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $4K | $25K | 11.73% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY BARNEY INS SVCS. 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 14.94% |
| JOHN P PRESSLEY3 | 675 HARTZ AVENUE, SUITE 104 DANVILLE, CA 94526 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.47% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY BARNEY INS SVCS. 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $18 | $19K | 15.09% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY BARNEY INS SVCS 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $1K | $12K | 11.39% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY BARNEY INS SVCS. 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | $307 | — | $307 | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY BARNEY INS SVCS. 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | VISION SERVICE PLAN | $1K | — | $1K | 5.17% |
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 | 254 | 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) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CALIFORNIA PHYSICIANS SERVICE | 248 | $4.2M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 154 | $243K |
| Vision(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 248 | $4.2M |
| Life insurance(2 contracts) | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | 255 | $35K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 257 | $243K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 257 | $573K |
| Prescription drug(2 contracts) | CALIFORNIA PHYSICIANS SERVICE | 248 | $4.2M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 237 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.