| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | KAISER FOUNDATION HEALTH PLAN INC. | $79K | $1K | $80K | 5.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS, INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | KAISER FOUNDATION HEALTH PLAN, INC | $23K | — | $23K | 5.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | UNION SECURITY INSURANCE COMPANY | $15K | — | $15K | 10.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS, INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | FOUR EVER LIFE INS CO. | $7K | — | $7K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS, INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $914 | — | $914 | 2.36% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $5K | — | $5K | 24.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS, INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | UDC DENTAL OF CALIFORNIA, INC. | $1K | — | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS, INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.79% |
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 | 202 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 306 | $2.0M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 120 | $169K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 202 | $33K |
| Short-term disability | AFLAC | 31 | $20K |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 306 | $2.0M |
| Other(2 contracts, 2 carriers) | AFLAC | 202 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.