| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | HEALTH NET | $37K | — | $37K | 4.04% |
| MANIACI INSURANCE SERVICES, INC.3 Filed as: MANIACI INSURANCE SERVICES INC | 500 SILVER SPUR ROAD #121 PALOS VERDES, CA 90275 | HEALTH NET | $18K | — | $18K | 1.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN INC. | $31K | — | $31K | 3.49% |
| MANIACI INSURANCE SERVICES, INC.3 Filed as: MANIACI INSURANCE SERVICES | 500 SILVER SPUR ROAD, SUITE 121 ROLLING HILLS ESTATES, CA 92705 | KAISER FOUNDATION HEALTH PLAN INC. | $19K | — | $19K | 2.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 7.78% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR., SUITE 215 FT. WASHINGTON, PA 19034 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.09% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 500 SILVER SPUR RD., STE 121 ROLLING HILLS ESTATES, CA 92075 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 12.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.33% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 500 SILVER SPUR RD., STE 121 ROLLING HILLS ESTATES, CA 92705 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 12.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 9.95% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 500 SILVER SPUR RD., STE 121 ROLLING HILLS ESTATES, CA 92705 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 12.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | EYEMED VISION CARE | $1K | — | $1K | 6.73% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR., SUITE 215 FT. WASHINGTON, PA 19034 | EYEMED VISION CARE | $792 | — | $792 | 4.03% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 500 SILVER SPUR RD., STE 121 ROLLING HILLS ESTATES, CA 92705 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $503 | $859 | $1K | 12.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNUM INSURANCE COMPANY | $1K | $333 | $1K | 13.99% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 500 SILVER SPUR RD., STE 121 ROLLING HILLS ESTATES, CA 92705 | UNUM INSURANCE COMPANY | $436 | — | $436 | 4.33% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 500 SILVER SPUR RD., STE 121 ROLLING HILLS ESTATES, CA 92705 | UNUM INSURANCE COMPANY | $487 | — | $487 | 10.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNUM INSURANCE COMPANY | $9 | $3 | $12 | 0.26% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 500 SILVER SPUR RD., STE 121 ROLLING HILLS ESTATES, CA 92075 | UNUM INSURANCE COMPANY | $445 | — | $445 | 14.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNUM INSURANCE COMPANY | $22 | $7 | $29 | 0.93% |
| PACIFIC INSURANCE MGNT CORP3 | 6345 BALBOA BLVD., SUITE 290 ENCINO, CA 91316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50 | — | $50 | 4.22% |
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 | 154 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 188 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $125K |
| Vision | EYEMED VISION CARE | 290 | $20K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $78K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $11K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $25K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH NET | 188 | $1.8M |
| Other(6 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.