| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 9171 TOWNE CENTRE DRIVE SUITE 500 SAN DIEGO, CA 92122 | BLUE CROSS OF CALIFORNIA | $31K | $774 | $31K | 3.72% |
| LOCKTON COMPANIES, LLC3 | DEPT LA 23940 PASADENA, CA 91185 | BLUE CROSS OF CALIFORNIA | $12K | $0 | $12K | 1.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | ONE SOUTH JEFFERSON STREET ROANOKE, VA 24011 | BLUE CROSS OF CALIFORNIA | $0 | $2K | $2K | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 85638 SAN DIEGO, CA 92186 | KAISER FOUNDATION HEALTH PLAN INC | $29K | $3K | $32K | 4.64% |
| LOCKTON COMPANIES, LLC3 | PO BOX 92643 LOS ANGELES, CA 90009 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | ONE POLARIS WAY SUITE 300 ALISO VIEJO, CA 92656 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $0 | $8K | 6.65% |
| LOCKTON COMPANIES, LLC3 | DEPT 23940 PASADENA, CA 91185 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $0 | $4K | 3.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY AND BARNEY | UNKNOWN SAN DIEGO, CA 92102 | SIMNSA | $6K | $0 | $6K | 4.53% |
| LOCKTON COMPANIES, LLC3 | UNKNOWN SAN DIEGO, CA 92102 | SIMNSA | $3K | $0 | $3K | 2.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 85638 SAN DIEGO, CA 92186 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $3K | $13K | 14.99% |
| LOCKTON COMPANIES, LLC3 | DEPT LA 23940 PASADENA, CA 91185 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | LOCKBOX 740663 LOS ANGELES, CA 90074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 6.34% |
| HEATHER SIEMS3 | 8859 LASSIE LANE SAN DIEGO, CA 92123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 5.10% |
| ELISSAR AKAR3 | 8220 UNIVERSITY AVENUE, SUITE 200 LA MESA, CA 91942 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.15% |
| MJ INSURANCE3 Filed as: KRISTIN H MANNO & VARIOUS AGENTS | PO BOX 710202 SAN DIEGO, CA 92171 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.54% |
| JD HOLDER ENTERPRISES INC | 8220 UNIVERSITY AVENUE SUITE 200 LA MESA, CA 91942 | CONTINENTAL AMERICAN INSURANCE COMPANY | $623 | $0 | $623 | 2.14% |
| TRULY B. PINEDA3 Filed as: TRULY B PINEDA | 3665 MOUNT ACADIA BOULEVARD SAN DIEGO, CA 92111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $451 | $0 | $451 | 1.55% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET SUIE 35 LOS ANGELES, CA 90017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $291 | $0 | $291 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY LLC | UNKNOWN SAN DIEGO, CA 92102 | GERBER LIFE INSURANCE COMPANY | $1K | $1K | $2K | 11.91% |
| LOCKTON COMPANIES, LLC3 | UNKNOWN SAN DIEGO, CA 92102 | GERBER LIFE INSURANCE COMPANY | $106 | $0 | $106 | 0.52% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 182 | $1.7M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 144 | $255K |
| Vision | GERBER LIFE INSURANCE COMPANY | 145 | $21K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $86K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $86K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 182 | $1.7M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.