| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAROEVICH, O'SHEA AND COGHLAN INS.3 Filed as: MAROEVICH, OSHEA AND COGHLAN | 44 MONTGOMERY STREET SAN FRANCISCO, CA 94104 | AETNA LIFE INSURANCE COMPANY | $86K | $0 | $86K | 4.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CALIFORNIA, INC. | PO BOX 101162 PASADENA, CA 91189 | AETNA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 0.44% |
| MAROEVICH, O'SHEA AND COGHLAN INS.3 Filed as: MAROEVICH, OSHEA AND COGHLAN | 101 MONTGOMERY STREET, SUITE 800 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC | $10K | $1 | $10K | 5.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CALIFORNIA, INC. | 525 MARKET STREET, SUITE 3400 SAN FRANCISCO, CA 94105 | KAISER FOUNDATION HEALTH PLAN INC | -$961 | $0 | -$961 | -0.52% |
| MAROEVICH, O'SHEA AND COGHLAN INS.3 Filed as: MAROEVICH, OSHEA AND COGHLAN | 101 MONTGOMERY STREET, SUITE 800 SAN FRANCISCO, CA 94104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 15.00% |
| MAROEVICH, O'SHEA AND COGHLAN INS.3 Filed as: MAROEVICH, OSHEA AND COGHLAN | 44 MONTGOMERY STREET SAN FRANCISCO, CA 94104 | AETNA HEALTH, INC. | $4K | $0 | $4K | 4.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CALIFORNIA, INC. | PO BOX 101162 PASADENA, CA 91189 | AETNA HEALTH, INC. | $424 | $0 | $424 | 0.47% |
| MAROEVICH, O'SHEA AND COGHLAN INS.3 Filed as: MAROEVICH, OSHEA AND COGHLAN | 3333 QUALITY DRIVE RANCHO CORDOVA, CA 95670 | VISION SERVICE PLAN | $373 | $0 | $373 | 2.91% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 251 | $2.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 251 | $1.8M |
| Vision | VISION SERVICE PLAN | 146 | $13K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 171 | $101K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 171 | $101K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 171 | $101K |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 251 | $2.1M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 171 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.