| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC | 1 POLARIS WAY SUITE 300 ALISO VIEJO, CA 92656 | KAISER FOUNDATION HEALTH PLAN INC | $28K | — | $28K | 2.80% |
| PCF INSURANCE SERVICES OF THE WEST3 | 21300 VICTOBY BLVD SUITE 700 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN INC | $20K | — | $20K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | $13K | $41K | 8.80% |
| PCF INSURANCE SERVICES OF THE WEST3 | 6200 CANOGA AVE WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 3.65% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 58638 SAN DIEGO, CA 92186 | DELTA DENTAL OF CALIFORNIA | $3K | — | $3K | 2.89% |
| PCF INSURANCE SERVICES OF THE WEST3 | 6200 CANOGA AVE WOODLAND HILLS, CA 91367 | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 2.11% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 13.88% |
| PCF INSURANCE SERVICES OF THE WEST3 | 6200 CANOGA AVE SUITE 350 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.28% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 13.87% |
| PCF INSURANCE SERVICES OF THE WEST3 | 6200 CANOGA AVE SUITE 350 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 350 S GRAND AVENUE SUITE 3410 LOS ANGELES, CA 90071 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS CO | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE SUITE 500 SAN DIEGO, CA 92122 | UNUM NSURANCE COMPANY | $1K | $154 | $1K | 9.34% |
| PCF INSURANCE SERVICES OF THE WEST3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | UNUM NSURANCE COMPANY | $758 | — | $758 | 5.31% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | DELTA DENTAL OF CALIFORNIA | $660 | — | $660 | 5.53% |
| PCF INSURANCE SERVICES OF THE WEST3 | 6200 CANOGA AVE SUITE 350 WOODLAND HILLS, CA 91367 | DELTA DENTAL OF CALIFORNIA | $464 | — | $464 | 3.89% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $595 | $2K | 13.72% |
| PCF INSURANCE SERVICES OF THE WEST | 6200 CANOGA AVE SUITE 350 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $748 | — | $748 | 6.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE SUITE 500 SAN DIEGO, CA 92122 | UNUM NSURANCE COMPANY | $739 | $243 | $982 | 10.96% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA MANIACI INS | 500 SILVER SPUR RD SUITE 121 ROLLING HILLS ESTATE, CA 90274 | UNUM NSURANCE COMPANY | $713 | — | $713 | 7.96% |
| PCF INSURANCE SERVICES OF THE WEST3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | UNUM NSURANCE COMPANY | $2 | — | $2 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE SUITE 500 SAN DIEGO, CA 92122 | UNUM NSURANCE COMPANY | $765 | $251 | $1K | 13.67% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA MANIACI INS | 500 SILVER SPUR RD SUITE 121 ROLLING HILLS ESTATE, CA 90274 | UNUM NSURANCE COMPANY | $349 | — | $349 | 4.70% |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 174 | $1.5M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 86 | $126K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS CO | 309 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $44K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $27K |
| Other(4 contracts, 2 carriers) | UNUM NSURANCE COMPANY | 159 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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."
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.