| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 92122 | BLUE CROSS OF CALIFORNIA | $9K | $66K | $75K | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY | $90K | $18K | $108K | 18.75% |
| W INSURANCE SERVICES INC3 | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | UNUM LIFE INSURANCE COMPANY | $59 | — | $59 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 92122 | DELTA DENTAL OF CALIFORNIA | $735 | — | $735 | 5.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BARNEY & BARNEY NONE | Insurance agents and brokers; Plan Administrator; Direct payment from the plan; Consulting (general); Consulting fees; Contract Administrator Service code 13 | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 92122 | $5.8M |
| MOSS ADAMS LLP NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 4747 EXECUTIVE DR STE 1300 SAN DIEGO, CA 92121 | $22K |
| SAICHEK LAW FIRM APC NONE | Legal; Direct payment from the plan Service code 29 | 2445 FIFTH AVE STE 332 SAN DIEGO, CA 92101 | $22K |
| IGOE & COMPANY INCORPORATED NONE | Direct payment from the plan; Contract Administrator Service code 13 | 15090 AVENUE OF SCIENCE STE 201 SAN DIEGO, CA 92128 | $6K |
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 | 7,084 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 169 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 169 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 7,422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 16,016 | $91.6M |
| Dental(5 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 3,648 | $6.3M |
| Vision(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 16,016 | $94.5M |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 16,016 | $92.2M |
| Short-term disability | BLUE CROSS OF CALIFORNIA | 16,016 | $91.6M |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 16,016 | $91.6M |
| Other | UNUM LIFE INSURANCE COMPANY | 1,412 | $575K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,016 | — |
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.