| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN INC | $10K | — | $10K | 0.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $19K | $6K | $25K | 6.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $6K | $3K | $9K | 4.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $5K | $2K | $7K | 4.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN INC | $86 | — | $86 | 0.65% |
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 | 3,666 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,725 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 1,229 | $1.2M |
| Life insurance | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 3,632 | $407K |
| Short-term disability | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 3,631 | $202K |
| Long-term disability | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 3,632 | $176K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 1,229 | $1.2M |
| Other(2 contracts, 2 carriers) | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 3,632 | $418K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,632 | — |
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.