| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N. ELM ST., SUITE 200 GREENSBORO, NC 27455 | BLUE CROSS OF CALIFORNIA | — | $15K | $15K | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, #500 SAN DIEGO, CA 92122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 2.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, #500 SAN DIEGO, CA 92122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 3.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, #500 SAN DIEGO, CA 92122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 3.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, #500 SAN DIEGO, CA 92122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $827 | $827 | 3.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 POLARIS WAY, SUITE 300 ALISO VEIEJO, CA 92656 | FEDERAL INSURANCE COMPANY | — | $416 | $416 | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, #500 SAN DIEGO, CA 92122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $467 | $467 | 3.93% |
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 | 1,708 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 50 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,758 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 3,149 | $14.9M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,727 | $144K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 748 | $159K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,724 | $140K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 69 | $431K |
| Other(5 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,878 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,149 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.