| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | BLUE CROSS OF CALIFORNIA | $202K | $2K | $204K | 5.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | THE GUARDIAN LIFE INSURANCE COMPANY | $28K | $7K | $35K | 12.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | — | $26K | 11.71% |
| FINANCIAL BENEFIT STRATEGIES3 | 3130 S HARBOR BLVD, STE 140 SANTA ANA, CA 92704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$4K | — | -$4K | -1.71% |
| STRATEGIC NON-MEDICAL SOLUTION3 | ONE BEACON ST, STE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 13.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | STANDARD INSURANCE COMPANY | $3K | $703 | $4K | 18.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | ANTHEM BLUE CROSS AND HEALTH INSURANCE COMPANY | $549 | $7 | $556 | 5.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | ANTHEM LIFE INSURANCE COMPANY | $645 | — | $645 | 9.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | FEDERAL INSURANCE COMPANY | $549 | $27 | $576 | 15.74% |
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 | 272 | 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) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 225 | $4.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 240 | $283K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 240 | $283K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 272 | $26K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 72 | $55K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 199 | $221K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 225 | $4.0M |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 287 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.