| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | AETNA HEALTH, INC. | $20K | — | $20K | 2.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 80 PARK WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA HEALTH, INC. | $11K | — | $11K | 1.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY, A MARSH & MCLENNAN | AGENCY LLC COMMPANY LOCKBOX 740659 LOS ANGELES, CA 90074 | AETNA LIFE INSURANCE CO. | — | $3K | $3K | 4.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 3.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY LLC | 80 PARK WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 2.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 911026030 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.60% |
| MARSH & MCLENNAN AGENCY LLC3 | BARNEY BARNEY ACCOUNTING P.O. BOX 85638 SAN DIEGO, CA 92186 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.11% |
| MARSH & MCLENNAN AGENCY LLC3 | MCGRAW WENTWORTH 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $412 | — | $412 | 1.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 12.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTER DRIVE SUITE 500 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $821 | — | $821 | 7.99% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $308 | — | $308 | 3.00% |
| PACIFIC ADVISORS LLC3 | 9920 PACIFIC HEIGHTS BLVD. SUITE 105 SAN DIEGO, CA 92121 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25 | — | $25 | 0.24% |
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 | 277 | 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) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 190 | $927K |
| Dental | AETNA LIFE INSURANCE CO. | 190 | $74K |
| Vision | AETNA LIFE INSURANCE CO. | 190 | $74K |
| Life insurance | STANDARD INSURANCE COMPANY | 238 | $28K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 190 | $927K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 238 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.