| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | ANTHEM BLUE CROSS OF CALIFORNIA | — | $229K | $229K | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY | $346K | $26K | $372K | 44.73% |
| 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 | $11.9M |
| IGOE & COMPANY INCORPORATED NONE | Direct payment from the plan; Contract Administrator Service code 13 | 15090 AVENUE OF SCIENCE STE 201 SAN DIEGO, CA 92128 | $120K |
| THE WAGNER LAW GROUP NONE | Legal; Direct payment from the plan Service code 29 | 8677 VILLA LA JOLLA DR #888 SAN DIEGO, CA 92037 | $67K |
| VIMLY BENEFIT SOLUTIONS NONE | Plan Administrator Service code 14 | 12121 HARBOR REACH DR STE 105 MUKILTEO, WA 98275 | $30K |
| MILLER KAPLAN ARASE LLP EIN 95-2936255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $13K |
| AXENE HEALTH PARTNERS LLC NONE | Direct payment from the plan; Consulting (general) Service code 16 | 41923 2ND ST #204 TEMECULA, CA 92590 | $12K |
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 | 15,392 | Currently employed and enrolled or eligible. |
| Beneficiaries receiving benefits | 8 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 15,400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS OF CALIFORNIA | 28,782 | $182.7M |
| Dental(5 contracts, 3 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 28,782 | $186.2M |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 28,782 | $183.9M |
| Life insurance(3 contracts, 2 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 28,782 | $185.6M |
| Short-term disability | ANTHEM BLUE CROSS OF CALIFORNIA | 28,782 | $182.7M |
| Long-term disability | ANTHEM BLUE CROSS OF CALIFORNIA | 28,782 | $182.7M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY | 4,257 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,782 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.