| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY, LLC | PO BOX 85638 SAN DIEGO, CA 92186 | BLUE CROSS OF CALIFORNIA | $8K | $303 | $8K | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC AGENCY | PARK 80 WEST PLAZA TWO 250 PEHLE AV SADDLE BROOK, NJ 07663 | BLUE CROSS OF CALIFORNIA | $1K | — | $1K | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | DELTA DENTAL OF CALIFORNIA | $46K | — | $46K | 2.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY, LLC | 9171 TOWNE CENTRE DRIVE SUITE 500 SAN DIEGO, CA 92122 | VISION SERVICE PLAN | $0 | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE SUITE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $6K | $24K | 20.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | DELTA DENTAL OF CALIFORNIA | $987 | — | $987 | 3.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BARNEY & BARNEY PLAN ADMINISTRATOR | Plan Administrator; Contract Administrator; Direct payment from the plan Service code 13 | 9171 TOWNE CENTRE DRIVE SUITE 500 SAN DIEGO, CA 92122 | $3.8M |
| SAICHEK LAW FIRM APC EIN 26-0806256 N/A | Legal; Direct payment from the plan Service code 29 | 2445 FIFTH AVE SUITE 332 SAN DIEGO, CA 92101 | $29K |
| MOSS ADAMS LLP EIN 91-0189318 N/A | Accounting (including auditing); Direct payment from the plan Service code 10 | 4747 EXECUTIVE DRIVE SUITE 1300 SAN DIEGO, CA 92121 | $28K |
| IGOE & COMPANY INCORPORATED EIN 95-3391660 N/A | Direct payment from the plan; Contract Administrator Service code 13 | 15090 AVENUE OF SCIENCE SUITE 201 SAN DIEGO, CA 92128 | $21K |
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 | 5,062 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 131 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 131 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 17,559 | $43.4M |
| Dental(3 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 3,781 | $4.8M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 17,559 | $43.7M |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 17,559 | $43.5M |
| Short-term disability | BLUE CROSS OF CALIFORNIA | 17,559 | $43.4M |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 17,559 | $43.4M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 17,559 | $43.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,559 | — |
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 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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.