| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | CALIFORNIA PHYSICIANS SERVICE | $298K | $165 | $298K | 4.96% |
| SUMMIT GROUP OF VIRGINIA3 | 5029 CORPORATE WOODS DR, SUITE 180 VIRGINIA BEACH, VA 23462 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $13K | $6K | $19K | 6.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $1K | $22K | 7.90% |
| SUMMIT GROUP OF VIRGINIA3 | 5029 CORPORATE WOODS DR, SUITE 180 VIRGINIA BEACH, VA 23462 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $10K | $4K | $14K | 6.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 14.82% |
| SUMMIT GROUP OF VIRGINIA3 | 5029 CORPORATE WOODS DR, SUITE 180 VIRGINIA BEACH, VA 23462 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $20K | $3K | $23K | 15.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $975 | $8K | 5.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | VISION SERVICE PLAN | $1K | — | $1K | 4.78% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | $2K | — | $2K | 13.79% |
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 | 336 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 270 | $6.0M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 197 | $429K |
| Vision | VISION SERVICE PLAN | 270 | $29K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 280 | $161K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 280 | $219K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 280 | $284K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 270 | $6.0M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 280 | $320K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.
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.