| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM BLUE CROSS OF CALIFORNIA | — | $474K | $474K | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE STE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY | — | $60K | $60K | 2.00% |
| PLANSOURCE BENEFIT ADMINISTRATION5 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY | $30K | — | $30K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE STE 500 SAN DIEGO, CA 92122 | UNUM INSURANCE COMPANY | — | $22K | $22K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE STE 500 SAN DIEGO, CA 92122 | UNUM INSURANCE COMPANY | — | $24K | $24K | 3.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 92122 | UNUM INSURANCE COMPANY | $15K | — | $15K | 3.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC NONE | Insurance services; Plan Administrator; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance agents and brokers; Accounting (including auditing); Insurance brokerage commissions and fees; Contract Administrator; Direct payment from the plan; Consulting (general); Actuarial; Consulting fees Service code 10 | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 92122 | $17.2M |
| IGOE & COMPANY INCORPORATED NONE | Direct payment from the plan; Contract Administrator Service code 13 | 15090 AVENUE OF SCIENCE STE 201 SAN DIEGO, CA 92128 | $125K |
| PAYDEN & RYGEL EIN 95-3921788 NONE | Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Investment management Service code 28 | — | $81K |
| THE WAGNER LAW GROUP NONE | Legal; Direct payment from the plan Service code 29 | 8677 VILLA LA JOLLA DR #888 SAN DIEGO, CA 92037 | $60K |
| MILLER KAPLAN ARASE LLP EIN 95-2936255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $33K |
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 | 13,847 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 205 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,052 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS OF CALIFORNIA | 26,004 | $260.4M |
| Dental(4 contracts, 2 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 26,004 | $262.3M |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 26,004 | $261.9M |
| Life insurance(3 contracts, 3 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 26,004 | $270.2M |
| Short-term disability(3 contracts, 3 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 26,004 | $267.8M |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 26,004 | $267.1M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 6,356 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,004 | — |
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.
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.