| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN KING CITY, CA 63930 | WESTPORT INSURANCE CORPORTION | $218 | $0 | $218 | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 9171 TOWNE CENTER, SUITE 500 SAN DIEGO, CA 92122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $156 | $0 | $156 | 0.63% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 75 REMITTANCE DRIVE, SUITE 1446 CHICGO, IL 60675 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $107 | $0 | $107 | 0.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 9171 TOWNE CENTER, SUITE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $175 | $0 | $175 | 1.12% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 75 REMITTANCE DRIVE, SUITE 1446 CHICGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $103 | $0 | $103 | 0.66% |
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 | 233 | 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) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 232 | $60K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 267 | $129K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 62 | $25K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 267 | $129K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 267 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.