| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | BLUE CROSS OF CALIFORNIA | — | $141K | $141K | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 92122 | BLUE CROSS OF CALIFORNIA | $0 | $45K | $45K | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY | $146K | $11K | $157K | 39.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC NONE | Direct payment from the plan; Insurance agents and brokers; Contract Administrator; Consulting fees; Plan Administrator; Consulting (general) Service code 13 | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 92122 | $9.9M |
| IGOE & COMPANY INCORPORATED NONE | Contract Administrator; Direct payment from the plan Service code 13 | 15090 AVENUE OF SCIENCE STE 201 SAN DIEGO, CA 92128 | $117K |
| SAICHEK LAW FIRM APC NONE | Legal; Direct payment from the plan Service code 29 | 2445 FIFTH AVE STE 332 SAN DIEGO, CA 92101 | $67K |
| 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 | $38K |
| AXENE HEALTH PARTNERS LLC NONE | Consulting (general); Direct payment from the plan Service code 16 | 41923 2ND ST #204 TEMECULA, CA 92590 | $15K |
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 | 11,211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 11,212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 24,768 | $134.8M |
| Dental(4 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 6,559 | $10.6M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 24,768 | $135.7M |
| Life insurance(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 24,768 | $136.1M |
| Short-term disability(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 24,768 | $134.8M |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 24,768 | $134.8M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY | 2,899 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,768 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.