| 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. | $26K | $4K | $30K | 0.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD. SUITE 200 TORRANCE, CA 90501 | TRANSAMERICA LIFE INSURANCE COMPANY | $75K | — | $75K | 17.87% |
| DAJOMA LLC3 | 1344 ASHTON RD. SUITE 200 HANOVER, MD 21076 | TRANSAMERICA LIFE INSURANCE COMPANY | $22K | — | $22K | 5.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4 EMBARCADERO CENTER, SUITE 40 SAN FRANCISCO, CA 94111 | TRANSAMERICA LIFE INSURANCE COMPANY | $20K | — | $20K | 4.72% |
| QSMR INC3 Filed as: QSMR. INC. | 1344 ASHTON RD. SUITE 200 HANOVER, MD 21076 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | — | $10K | 2.41% |
| THOMPSON BOSTROM & ASSOCIATES LLC3 | 2425 N COURTENAY PARKWAY, STE. 11 MERRITT ISLAND, FL 32953 | TRANSAMERICA LIFE INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN ROAD, SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $5 | — | $5 | 0.00% |
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 | 6,133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 4,030 | $20.0M |
| Dental | DELTA DENTAL OF CALIFORNIA | 2,369 | $317K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 7,820 | $552K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,133 | $970K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 487 | $419K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,539 | $929K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 4,030 | $20.0M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,133 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,820 | — |
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 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.