| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | PO BOX 100312 PASADENA, CA 91189 | BLUE CROSS OF CALIFORNIA | $44K | — | $44K | 2.01% |
| AON CONSULTING INC3 | 180 N STETSON AVENUE CHICAGO, IL 60601 | BLUE CROSS OF CALIFORNIA | $29K | — | $29K | 1.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 444 MARKET STREET SUITE 1600 SAN FRANCISCO, CA 94111 | BLUE CROSS OF CALIFORNIA | $7K | — | $7K | 0.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 17875 VON KARMEN AVENUE SUITE 300 IRVINE, CA 92614 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS. OF CA INC. | P.O. BOX 101162 PASADENA, CA 911891162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $250 | — | $250 | 0.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 17875 VON KARMEN AVENUE SUITE 300 IRVINE, CA 92614 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS. OF CA INC. | P.O. BOX 101162 PASADENA, CA 911891162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $678 | — | $678 | 1.32% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 17875 VON KARMEN AVENUE SUITE 300 IRVINE, CA 92614 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 13.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS. OF CA INC. | P.O. BOX 101162 PASADENA, CA 911891162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $433 | — | $433 | 1.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 17875 VON KARMEN AVENUE SUITE 300 IRVINE, CA 92614 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS. OF CA INC. | P.O. BOX 101162 PASADENA, CA 911891162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $91 | — | $91 | 0.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 199 FREMONT STREET 15TH FLOOR SAN FRANCISCO, CA 94105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
| CHARLES BOGUE3 | 510 W 6TH STREET #815 LOS ANGELES, CA 90014 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $43 | — | $43 | 0.20% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 17875 VON KARMEN AVENUE SUITE 300 IRVINE, CA 92614 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $717 | — | $717 | 13.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS. OF CA INC. | P.O. BOX 101162 PASADENA, CA 911891162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $78 | — | $78 | 1.47% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 17875 VON KARMEN AVENUE SUITE 300 IRVINE, CA 92614 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $426 | — | $426 | 15.00% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 373 | $2.2M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 70 | $112K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $22K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 182 | $45K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 182 | $51K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 182 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.