| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE STE 400 DAYTON, OH 45402 | BLUE CROSS OF CALIFORNIA | — | $71K | $71K | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY | $5K | $953 | $5K | 0.86% |
| W INSURANCE SERVICES INC3 | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | UNUM LIFE INSURANCE COMPANY | $326 | — | $326 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY | $139K | $11K | $149K | 43.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC NONE | Consulting fees; Insurance agents and brokers; Plan Administrator; Direct payment from the plan; Contract Administrator; Consulting (general) Service code 13 | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 92122 | $7.7M |
| IGOE & COMPANY INCORPORATED NONE | Direct payment from the plan; Contract Administrator Service code 13 | 15090 AVENUE OF SCIENCE STE 201 SAN DIEGO, CA 92128 | $79K |
| SAICHEK LAW FIRM APC NONE | Legal; Direct payment from the plan Service code 29 | 2445 FIFTH AVE STE 332 SAN DIEGO, CA 92101 | $63K |
| MILLER KAPLAN ARASE LLP NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | TWO EMBARCADERO CTR STE 2280 SAN FRANCISCO, CA 94111 | $20K |
| MOSS ADAMS LLP NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 4747 EXECUTIVE DR STE 1300 SAN DIEGO, CA 92121 | $14K |
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 | 9,482 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 48 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 9,578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 20,861 | $108.1M |
| Dental(4 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 5,039 | $8.3M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 20,861 | $108.8M |
| Life insurance(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 20,861 | $109.1M |
| Short-term disability | BLUE CROSS OF CALIFORNIA | 20,861 | $108.1M |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 20,861 | $108.1M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY | 2,030 | $985K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,861 | — |
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.