| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CALIFORNIA SCHOOL EMPLOYEES ASSOCIA3 | 2045 LUNDY AVENUE SAN JOSE, CA 95131 | NEW YORK LIFE INSURANCE COMPANY | $27K | $28K | $55K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SEABURY & SMITH INC. | 777 S. FIGUEROA STREET LOS ANGELES, CA 90017 | DELTA DENTAL OF CALIFORNIA | $14K | — | $14K | 8.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SEABURY & SMITH INC. | 777 S. FIGUEROA STREET LOS ANGELES, CA 90017 | DELTA DENTAL OF CALIFORNIA | $11K | — | $11K | 7.49% |
| CALIFORNIA SCHOOL EMPLOYEES ASSOCIA3 | 2045 LUNDY AVENUE SAN JOSE, CA 95131 | NEW YORK LIFE INSURANCE COMPANY | $11K | $11K | $22K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SEABURY & SMITH INC. | 777 S. FIGUEROA STREET LOS ANGELES, CA 90017 | DELTA DENTAL OF CALIFORNIA | $12K | — | $12K | 10.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 1732 NORTH FIRST STREET, SUITE 400 SAN JOSE, CA 95112 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| CALIFORNIA SCHOOL EMPLOYEES ASSOCIA3 | 2045 LUNDY AVENUE SAN JOSE, CA 95131 | NEW YORK LIFE INSURANCE COMPANY | $2K | $2K | $4K | 17.50% |
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 | 132,648 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132,648 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts) | DELTA DENTAL OF CALIFORNIA | 223 | $437K |
| Vision | VISION SERVICE PLAN | 392 | $57K |
| Life insurance | NEW YORK LIFE INSURANCE COMPANY | 998 | $276K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 25,167 | $12.7M |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 25,167 | $12.7M |
| Other(2 contracts) | NEW YORK LIFE INSURANCE COMPANY | 121,712 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121,712 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.