| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $222K | $4K | $226K | 17.29% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN INC | $29K | $0 | $29K | 4.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE, STE 500 SAN DIEGO, CA 92122 | STARMOUNT LIFE INSURANCE COMPANY | $22K | $9K | $31K | 13.97% |
| ONE BENEFIT SOURCE LLC DBA INB3 | 1772 SUNSET VIEW DR TRABUCO CANYON, CA 92679 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $11K | $11K | 5.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE, STE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $8K | $27K | 14.30% |
| ONE BENEFIT SOURCE LLC DBA INB3 | 1772 SUNSET VIEW DR TRABUCO CANYON, CA 92679 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $9K | $9K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $0 | $6K | 4.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE, STE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 14.94% |
| ONE BENEFIT SOURCE LLC DBA INB3 | 1772 SUNSET VIEW DR TRABUCO CANYON, CA 92679 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 4.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE, STE 500 SAN DIEGO, CA 92122 | UNUM INSURANCE COMPANY | $3K | $657 | $3K | 18.33% |
| ONE BENEFIT SOURCE LLC DBA INB3 | 1772 SUNSET VIEW DR TRABUCO CANYON, CA 92679 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 11.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE, STE 500 SAN DIEGO, CA 92122 | UNUM INSURANCE COMPANY | $2K | $517 | $3K | 17.51% |
| ONE BENEFIT SOURCE LLC DBA INB3 | 1772 SUNSET VIEW DR TRABUCO CANYON, CA 92679 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 7.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE, STE 500 SAN DIEGO, CA 92122 | UNUM INSURANCE COMPANY | $2K | $447 | $2K | 18.21% |
| ONE BENEFIT SOURCE LLC DBA INB3 | 1772 SUNSET VIEW DR TRABUCO CANYON, CA 92679 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 11.69% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $424 | $0 | $424 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF AGENCIES, INC. | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $16 | $16 | 0.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $5 | $5 | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST, PLAZA TWO 250 PEHLE AVENUE SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $5 | $5 | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $1 | $1 | 0.04% |
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 | 484 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,148 | $2.1M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 298 | $221K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 298 | $221K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 448 | $218K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 448 | $188K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 448 | $188K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 77 | $746K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 448 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,148 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.