| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $119K | $119K | 2.20% |
| DAVID CANNO3 | 9171 TOWNE CENTER DRIVE, SUITE 100 SAN DIEGO, CA 92122 | THE STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 3.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CARROT EIN 81-1995709 NONE | Claims processing Service code 12 | — | $353K |
| WORKTERRA NONE | Other services Service code 49 | 5934 GIBRALTAR DRIVE, SUITE 206 PLEASANTON, CA 94588 | $241K |
| MARSH & MCLENNAN AGENCY LLC EIN 26-3237576 NONE | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | — | $140K |
| ANTHEM BLUE CROSS EIN 95-4331852 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Float revenue; Other services Service code 12 | — | $135K |
| BURR PILGER MAYER EIN 81-4234542 NONE | Accounting (including auditing) Service code 10 | — | $55K |
| RENGER COMMUNICATIONS EIN 27-0290605 NONE | Other services Service code 49 | — | $26K |
| LOREN MYERS & ASSOCIATES EIN 95-3879885 NONE | Other services Service code 49 | — | $24K |
| ALIGHT SOLUTIONS EIN 82-1061233 NONE | Other services Service code 49 | — | $10K |
| DELTA DENTAL PLAN OF CALIFORNIA EIN 94-1461312 NONE | Claims processing Service code 12 | — | $568 |
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 | 3,302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 440 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,742 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 2,315 | $24.0M |
| Vision | VISION SERVICE PLAN (VSP) | 2,876 | $569K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,286 | $5.4M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,286 | $5.4M |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,286 | $5.5M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 2,315 | $24.0M |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 4,185 | $2.6M |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,302 | $6.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,185 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.