| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | HEALTH NET | $89K | — | $89K | 4.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 600 SAN DIEGO, CA 92122 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $40 | $13K | 9.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN AGCY | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 600 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $707 | $707 | 1.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 600 SAN DIEGO, CA 92122 | SAFEGUARD HEALTH PLANS, INC. | $4K | — | $4K | 9.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN AGCY | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | SAFEGUARD HEALTH PLANS, INC. | — | $740 | $740 | 1.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 600 SAN DIEGO, CA 92122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $199 | $3K | 6.96% |
| IMPACT BENEFIT MANAGEMENT SERVICES3 Filed as: IMPACT BENEFIT MANAGEMENT SVCS. INC | 3650 MANSELL ROAD, SUITE 100 ALPHARETTA, GA 30022 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $370 | — | $370 | 0.92% |
| ROBERT FRINK CROOM3 Filed as: ROBERT F. CROOM | 155 BRICKLEBERRY DRIVE ROSWELL, GA 30075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $152 | — | $152 | 0.38% |
| GNW-EVERGREEN INSURANCE SERVICES3 | 16030 VENTURA BLVD., SUITE 500 ENCINO, CA 91416 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 600 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $417 | $417 | 1.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 600 SAN DIEGO, CA 92122 | EYEMED VISION CARE | $1K | — | $1K | 6.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 600 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $556 | $33 | $589 | 6.88% |
| ROBERT FRINK CROOM3 Filed as: ROBERT F. CROOM | 155 BRICKLEBERRY DRIVE ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $193 | — | $193 | 2.25% |
| GNW-EVERGREEN INSURANCE SERVICES3 | 16030 VENTURA BLVD., SUITE 500 ENCINO, CA 91416 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $83 | — | $83 | 0.97% |
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 | 266 | 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) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 222 | $1.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $171K |
| Vision | EYEMED VISION CARE | 326 | $17K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $84K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 134 | $40K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 75 | $24K |
| Prescription drug | HEALTH NET | 222 | $1.9M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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."
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.