| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OSBORNE, RONALD3 | PO BOX 347 MERIDIAN, ID 83680 | BLUE CROSS OF CALIFORNIA | $27K | — | $27K | 3.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | BLUE CROSS OF CALIFORNIA | $9K | — | $9K | 1.16% |
| CLEARWATER BENEFITS LLC3 | PO BOX 347 MERIDIAN, ID 83680 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 2.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 2.44% |
| CLEARWATER BENEFITS LLC3 Filed as: CLEARWATER BENEFITS | PO BOX 347 MERIDIAN, ID 83680 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $751 | — | $751 | 0.79% |
| CLEARWATER BENEFITS LLC3 | PO BOX 347 MERIDIAN, ID 83680 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 3.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 1.59% |
| CLEARWATER BENEFITS LLC3 | PO BOX 347 MERIDIAN, ID 83680 | STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.13% |
| CLEARWATER BENEFITS LLC3 | PO BOX 347 MERIDIAN, ID 83680 | STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 7.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | AMERITAS LIFE INSURANCE CORP. | $687 | — | $687 | 5.44% |
| CLEARWATER BENEFITS LLC3 | PO BOX 347 MERIDIAN, ID 83680 | AMERITAS LIFE INSURANCE CORP. | $577 | — | $577 | 4.57% |
| CLEARWATER BENEFITS LLC3 | PO BOX 347 MERIDIAN, ID 83680 | STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 9.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | STANDARD LIFE INSURANCE COMPANY | $843 | — | $843 | 7.16% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 214 | $980K |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 490 | $95K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 163 | $13K |
| Life insurance | STANDARD LIFE INSURANCE COMPANY | 174 | $24K |
| Short-term disability | STANDARD LIFE INSURANCE COMPANY | 174 | $12K |
| Long-term disability | STANDARD LIFE INSURANCE COMPANY | 174 | $20K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 214 | $980K |
| Other | STANDARD LIFE INSURANCE COMPANY | 174 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.