| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS-MCCARTY INS SERVICES3 Filed as: DOUGLAS- MCCARTY INS SERVICES | PO BOX 5406 SAN CLEMENTE, CA 92674 | AETNA HEALTH, INC. | $39K | $0 | $39K | 3.91% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA HEALTH, INC. | $11K | $0 | $11K | 1.07% |
| DOUGLAS-MCCARTY INS SERVICES3 Filed as: DOUGLAS- MCCARTY INS SERVICES | PO BOX 5406 SAN CLEMENTE, CA 92674 | AETNA LIFE INSURANCE CO | $5K | $0 | $5K | 3.10% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO | $2K | $0 | $2K | 1.58% |
| DOUGLAS-MCCARTY INS SERVICES3 Filed as: DOUGLAS MCCARTY INS SERVICES | PO BOX 5406 SAN CLEMENTE, CA 92674 | STANDARD INSURANCE COMPANY | $4K | $599 | $5K | 8.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR #100 SAN DIEGO, CA 92122 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 3.47% |
| DOUGLAS-MCCARTY INS SERVICES3 Filed as: DOUGLAS MCCARTY INS SERVICES | PO BOX 5406 SAN CLEMENTE, CA 92674 | STANDARD INSURANCE COMPANY | $809 | $121 | $930 | 8.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR #100 SAN DIEGO, CA 92122 | STANDARD INSURANCE COMPANY | $346 | $0 | $346 | 3.28% |
| DOUGLAS-MCCARTY INS SERVICES3 Filed as: DOUGLAS MCCARTY INS SERVICES | PO BOX 5406 SAN CLEMENTE, CA 92674 | STANDARD INSURANCE COMPANY | $405 | $142 | $547 | 9.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR #100 SAN DIEGO, CA 92122 | STANDARD INSURANCE COMPANY | $167 | $0 | $167 | 2.92% |
| DENTAL ALTERNATIVES INS SVCS, INC.3 | 2950 AIRWAY AVE. #A-13 COSTA MESA, CA 92626 | LIBERTY DENTAL PLAN OF CALIFORNIA, INC. | $147 | $0 | $147 | 2.83% |
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 | 198 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 123 | $1.2M |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 79 | $59K |
| Vision | STANDARD INSURANCE COMPANY | 84 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 198 | $6K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 123 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.