| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED HEALTHCARE INSURANCE COMPANY | $59K | — | $59K | 4.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 9.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $540 | $5K | 5.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $1K | — | $1K | 3.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $448 | $4K | 25.89% |
| TRANSCEND TECHNOLOGIES GROUP, INC.3 Filed as: TRANSCEND TECHNOLOGIES GROUP, INC | 1650 SAMANTHA CREST TRAIL RENO, NV 89523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $657 | — | $657 | 4.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON AFFINITY LLC | 10895 LOWELL AVENUE OVERLAND PARK, KS 66210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $466 | — | $466 | 2.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $794 | $159 | $953 | 13.07% |
| TRANSCEND TECHNOLOGIES GROUP, INC.3 Filed as: TRANSCEND TECHNOLOGIES GROUP | 1650 SAMANTHA CREST TRAIL RENO, NV 89523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $318 | — | $318 | 4.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $150 | $2K | 73.45% |
| TRANSCEND TECHNOLOGIES GROUP, INC.3 | 1650 SAMANTHA CREST TRAIL RENO, NV 89523 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 3.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON AFFINITY LLC | 10895 LOWELL AVE., SUITE 300 OVERLAND PARK, KS 66210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | AXIS INSURANCE COMPANY | $178 | — | $178 | 18.26% |
No Schedule C service providers reported on this filing.
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 252 | $1.2M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 201 | $90K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 201 | $90K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 292 | $117K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 292 | $106K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 292 | $106K |
| Prescription drug(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 252 | $1.2M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 292 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.