| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY AND BARNEY, LLC | PO BOX 740659 LOS ANGELES, CA 90074 | UNITEDHEALTHCARE INSURANCE COMPANY | $50K | $65K | $115K | 4.81% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS. SERVICES, LLC | 6320 CANOGA AVENUE, SUITE 1200 WOODLAND HILLS, CA 91367 | UNITEDHEALTHCARE INSURANCE COMPANY | $49K | — | $49K | 2.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 0.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY LLC | 101 ENTERPRISE, SUITE 330 ALISO VIEJO, CA 92656 | PREMIER ACCESS INSURANCE COMPANY | $6K | — | $6K | 5.02% |
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT | 1800 QUAL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | PREMIER ACCESS INSURANCE COMPANY | $5K | — | $5K | 4.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY AND BARNEY, LLC | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | UNIMERICA LIFE INSURANCE SERVICES | $2K | — | $2K | 5.10% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS. SERVICES, LLC | 6320 CANOGA AVENUE, SUITE 1200 WOODLAND HILLS, CA 91367 | UNIMERICA LIFE INSURANCE SERVICES | $2K | — | $2K | 4.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY AND BARNEY, LLC | PO BOX 740659 LOS ANGELES, CA 90074 | EYEMED VISION CARE | $943 | — | $943 | 4.22% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS. SERVICES, LLC | 6320 CONOGA AVENUE, 12TH FLOOR WOODLAND HILLS, CA 91367 | EYEMED VISION CARE | $562 | — | $562 | 2.51% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS. SERVICES, LLC | 300 WEST GLENOAKS, SUITE 3-1 GLENDALE, CA 91202 | EYEMED VISION CARE | $543 | — | $543 | 2.43% |
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 | 386 | 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) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $2.4M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 454 | $118K |
| Vision | EYEMED VISION CARE | 368 | $22K |
| Life insurance | UNIMERICA LIFE INSURANCE SERVICES | 386 | $48K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $2.4M |
| Other(2 contracts, 2 carriers) | UNIMERICA LIFE INSURANCE SERVICES | 386 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.