| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | BLUE CROSS OF CALIFORNIA | $51K | $5K | $56K | 0.99% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 5448 THORNWOOD DRIVE SAN JOSE, CA 95123 | BLUE CROSS OF CALIFORNIA | $15K | — | $15K | 0.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 85638 SAN DIEGO, CA 92186 | KAISER FOUNDATION HEALTH PLAN INC | $47K | — | $47K | 4.11% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 0.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | DELTA DENTAL OF CALIFORNIA | $20K | — | $20K | 2.63% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 1990 NORTH CALIFORNIA BOULEVARD SUITE 720 WALNUT CREEK, CA 94596 | DELTA DENTAL OF CALIFORNIA | $9K | — | $9K | 1.14% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 3.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 85638 SAN DIEGO, CA 92186 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 3.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1340 TREAT BOULEVARD, SUITE 250 WALNUT CREEK, CA 94597 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 2.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 740659 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $2K | — | $2K | 1.75% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | VISION SERVICE PLAN | $766 | — | $766 | 0.62% |
| ASSUREDPARTNERS3 Filed as: JOHNSON AND DUGAN INSURANCE SERVICE | 455 HICKEY BOULEVARD, SUITE 416 DAILY CITY, CA 94015 | MANAGED HEALTH NETWORK | $593 | — | $593 | 4.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY AND BARNEY, LLC | 9171 TOWNE CENTRE, SUITE 500 SAN DIEGO, CA 92122 | MANAGED HEALTH NETWORK | $97 | — | $97 | 0.70% |
| LAURA A. MARLEY4 | 146 PRESIDIO AVENUE HALF MOON BAY, CA 94019 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $3K | — | $3K | 26.90% |
| MICHAEL R. JOHNSON4 | 808 MEDITERRANEAN LANE REDWOOD, CA 94065 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $23 | — | $23 | 0.20% |
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 | 465 | 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) | 465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 875 | $6.8M |
| Dental | DELTA DENTAL OF CALIFORNIA | 970 | $772K |
| Vision | VISION SERVICE PLAN | 374 | $123K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 434 | $309K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 434 | $309K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 434 | $309K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 875 | $6.8M |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 512 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 970 | — |
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.