| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | 540 W MADISON STREET, SUITE 1200 CHICAGO, IL 60661 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $115K | $0 | $115K | 40.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $81K | $0 | $81K | 28.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | PO BOX 28031 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 4.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | PO BOX 9465 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 4.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | PO BOX 28031 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 4.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | PO BOX 9465 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 4.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | PO BOX 28031 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 4.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | PO BOX 9465 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 4.09% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS LLC | 510 1ST AVE, STE 1203 SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $19K | $0 | $19K | 33.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | PO BOX 9465 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 8.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | PO BOX 28031 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 4.55% |
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 | 432 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 436 | $4.8M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 575 | $285K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 575 | $285K |
| Life insurance | STANDARD INSURANCE COMPANY | 432 | $96K |
| Short-term disability | STANDARD INSURANCE COMPANY | 413 | $68K |
| Long-term disability | STANDARD INSURANCE COMPANY | 413 | $77K |
| Other | HARTFORD LIFE AND ACCIDENT | 34 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 575 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.