| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| F.B.P. INSURANCE SERVICE LLC3 | THE PRECEPT GROUP 130 THEORY STREET SUITE 200 IRVINE, CA 92617 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $15K | — | $15K | 0.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 801 S FIGUEROA STREET SUITE 800 LOS ANGELES, CA 90017 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $10K | — | $10K | 0.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3130 CROW CANYON PL STE 400 SAN RAMON, CA 94583 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $109K | — | $109K | 4.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 101162 PASADENA, CA 91189 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $78K | — | $78K | 3.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 233 S WACKER DR STE 1800 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 0.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 3130 CROW CANYON PL STE 400 SAN RAMON, CA 94583 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48K | — | $48K | 4.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 101162 PASADENA, CA 91189 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | — | $35K | 3.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 233 S WACKER DR STE 1800 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 0.38% |
| MCGRIFF INSURANCE SERVICES INC3 | PC BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $7K | $29K | 13.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 333 BUSH ST FL 4 SAN FRANCISCO, CA 94104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 8.14% |
| RUTH I LARKIN3 | 2049 WADSWORTH BLVD STE K, BOX 202 LAKEWOOD, CO 80214 | GENWORTH LIFE INSURANCE COMPANY | $7K | — | $7K | 7.99% |
| MCGRIFF INSURANCE SERVICES INC3 | EB COMMISSIONS LOCKBOX PO BOX 896620 CHARLOTTE, NC 28289 | GENWORTH LIFE INSURANCE COMPANY | $3K | — | $3K | 3.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 130 THEORY STREET STE 200 IRVINE, CA 92617 | ACE AMERICAN INSURANCE COMPANY | $9K | — | $9K | 15.00% |
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 | 3,007 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 75 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,354 | $12.5M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,999 | $2.3M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,989 | $1.0M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 1,354 | $10.1M |
| Other(5 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,999 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,999 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.