| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS RISK & INSURANCE SER | 633 W 5TH ST SUITE 1200 LOS ANGELES, CA 90071 | CALIFORNIA PHYSICIANS SERVICE | $0 | $83K | $83K | 2.68% |
| AON CONSULTING INC3 Filed as: AON CONSULTING KANSAS CITY | 29840 NETWORK PLACE CHICAGO, IL 60673 | CALIFORNIA PHYSICIANS SERVICE | $0 | $74K | $74K | 2.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | PO BOX 9465 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 6.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING (TAMPA) | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $100 | $5K | 3.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | PO BOX 9465 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.29% |
| AON CONSULTING INC3 Filed as: AON CONSULTING (TAMPA) | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $721 | $4K | 4.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.55% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 707 WILSHIRE BLVD STE 2600 LOS ANGELES, CA 90017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.51% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 707 WILSHIRE BLVD STE 2600 LOS ANGELES, CA 90017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 707 WILSHIRE BLVD STE 2600 LOS ANGELES, CA 90017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.51% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 707 WILSHIRE BLVD STE 2600 LOS ANGELES, CA 90017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.49% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | PO BOX 28198 NEW YORK, NY 100878198 | VISION SERVICE PLAN | $603 | $0 | $603 | 1.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | PO BOX 9465 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $880 | $0 | $880 | 6.08% |
| AON CONSULTING INC3 Filed as: AON CONSULTING (TAMPA) | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $553 | $135 | $688 | 4.76% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $108 | $108 | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | PO BOX 9465 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $557 | $0 | $557 | 5.79% |
| AON CONSULTING INC3 Filed as: AON CONSULTING (TAMPA) | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $398 | $0 | $398 | 4.14% |
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 | 331 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 530 | $3.3M |
| Dental(5 contracts, 2 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 168 | $476K |
| Vision(2 contracts, 2 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 248 | $279K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 356 | $100K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 330 | $61K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 330 | $60K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 356 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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.