| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTER DRIVE, SUITE 500 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN INC. | $83K | $846 | $84K | 3.69% |
| CENTENNIAL GROUP BENEFITS3 | P.O. BOX 3387 SEAL BEACH, CA 90740 | KAISER FOUNDATION HEALTH PLAN INC. | $256 | — | $256 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTER DRIVE, SUITE 500 SAN DIEGO, CA 92122 | AETNA HEALTH, INC. | $11K | $4K | $15K | 1.20% |
| CENTENNIAL GROUP BENEFITS3 | P.O. BOX 3387 SEAL BEACH, CA 90740 | AETNA HEALTH, INC. | $5K | — | $5K | 0.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTER DRIVE, SUITE 500 SAN DIEGO, CA 92122 | AETNA LIFE INSURANCE CO. | $37K | $2K | $39K | 7.28% |
| CENTENNIAL GROUP BENEFITS3 | P.O. BOX 3387 SEAL BEACH, CA 90740 | AETNA LIFE INSURANCE CO. | $953 | — | $953 | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTER DRIVE, SUITE 500 SAN DIEGO, CA 92122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 18.97% |
| CENTENNIAL GROUP BENEFITS3 | P.O. BOX 3387 SEAL BEACH, CA 90740 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $367 | — | $367 | 1.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTER DRIVE, SUITE 500 SAN DIEGO, CA 92122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 19.10% |
| CENTENNIAL GROUP BENEFITS3 | P.O. BOX 3387 SEAL BEACH, CA 90740 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $182 | — | $182 | 0.99% |
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 | 515 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 804 | $4.1M |
| Dental | AETNA LIFE INSURANCE CO. | 804 | $542K |
| Vision | AETNA LIFE INSURANCE CO. | 804 | $542K |
| Life insurance | AETNA LIFE INSURANCE CO. | 804 | $542K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 804 | $542K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 804 | $542K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 804 | $1.8M |
| Other(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 804 | $594K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 804 | — |
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.