| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | AETNA HEALTH, INC. | $54K | $4K | $58K | 5.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN INC. | $18K | $411 | $18K | 2.79% |
| B WOOD INSURANCE AGENCY, INC.3 | 4032 WABASKA DR. SAN DIEGO, CA 92107 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 0.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $10K | 9.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTER DRIVE, SUITE 500 SAN DIEGO, CA 92122 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 5.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTER DRIVE, SUITE 500 SAN DIEGO, CA 92122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 18.51% |
| B WOOD INSURANCE AGENCY, INC.3 | 4032 W WABASKA DR. SAN DIEGO, CA 92107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $428 | — | $428 | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | SAFEGUARD HEALTH PLANS, INC. | $2K | $252 | $2K | 9.55% |
| B WOOD INSURANCE AGENCY, INC.3 | 4032 W WABASKA DR. SAN DIEGO, CA 92107 | SAFEGUARD HEALTH PLANS, INC. | $176 | — | $176 | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $1K | $59 | $1K | 10.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTER DRIVE, SUITE 500 SAN DIEGO, CA 92122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $620 | $338 | $958 | 14.12% |
| B WOOD INSURANCE AGENCY, INC.3 | 4032 W WABASKA DR. SAN DIEGO, CA 92107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $58 | — | $58 | 0.85% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 167 | $1.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $120K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 79 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $7K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 81 | $32K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 167 | $1.7M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.