| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD. SUITE 200 TORRANCE, CA 905013329 | KAISER FOUNDATION HEALTH PLAN INC. | $25K | $13K | $38K | 0.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD. SUITE 200 TORRANCE, CA 90501 | TRANSAMERICA LIFE INSURANCE COMPANY | $59K | — | $59K | 15.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4 EMBARCADERO CENTER, SUITE 40 SAN FRANCISCO, CA 94111 | TRANSAMERICA LIFE INSURANCE COMPANY | $30K | — | $30K | 7.64% |
| QSMR INC3 Filed as: QSMR. INC. | 1344 ASHTON RD. SUITE 200 HANOVER, MD 21076 | TRANSAMERICA LIFE INSURANCE COMPANY | $23K | — | $23K | 5.98% |
| DAJOMA LLC3 | 1344 ASHTON RD. SUITE 200 HANOVER, MD 21076 | TRANSAMERICA LIFE INSURANCE COMPANY | $438 | — | $438 | 0.11% |
| THOMPSON BOSTROM & ASSOCIATES LLC3 | 66 NORTH ATLANTIC AVE., SUITE 201 COCA BEACH, FL 32931 | TRANSAMERICA LIFE INSURANCE COMPANY | $62 | — | $62 | 0.02% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN ROAD, SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $27 | — | $27 | 0.01% |
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 | 5,793 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,824 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 3,941 | $22.5M |
| Dental | DELTA DENTAL OF CALIFORNIA | 2,400 | $319K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 7,407 | $517K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,956 | $879K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 1,056 | $392K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,793 | $688K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 3,941 | $22.5M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,954 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,407 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.