| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 92122 | BLUE CROSS OF CALIFORNIA | $0 | $38K | $38K | 3.60% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS SERVICES LLC | 1850 GATEWAY DRIVE STE 600 SAN MATEO, CA 94404 | BLUE CROSS OF CALIFORNIA | $0 | $33K | $33K | 3.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 413 NORTH SHORE DRIVE SW KNOXVILLE, TN 37919 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $46K | $11K | $57K | 23.96% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 318330070 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $38 | $7K | 5.47% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR STE 700 SAN MATEO, CA 944044067 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $3 | $4K | 3.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400, PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $804 | $804 | 0.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11 | $11 | 0.01% |
| BRANDON PENKO3 Filed as: BRANDON T PENKO | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 19.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 413 NORTH SHORE DRIVE SW KNOXVILLE, TN 37919 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $5K | $15K | 13.80% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE STE 600 SAN MATEO, CA 94404 | BLUE CROSS OF CALIFORNIA | $1K | $0 | $1K | 2.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 92122 | BLUE CROSS OF CALIFORNIA | $1K | $0 | $1K | 2.48% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 6200 CANOGA AVE STE 300 WOODLAND HILLS, CA 91367 | BLUE CROSS OF CALIFORNIA | $821 | $0 | $821 | 1.50% |
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 | 994 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 999 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 159 | $1.1M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 994 | $360K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 994 | $237K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 994 | $360K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 994 | $360K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 994 | $360K |
| Prescription drug(2 contracts) | BLUE CROSS OF CALIFORNIA | 159 | $1.1M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 516 | $675K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 994 | $467K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 994 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.