| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLEAKLEY INSURANCE SERVICES3 Filed as: BLEAKLEY INSURNACE SERVICES | 600 W. BROADWAY, SUITE 600 SAN DIEGO, CA 92101 | CALIFORNIA PHYSICIANS SERVICE | $47K | — | $47K | 2.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | CALIFORNIA PHYSICIANS SERVICE | $46K | — | $46K | 2.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | GUARDIAN | $15K | — | $15K | 10.00% |
| BLEAKLEY INSURANCE SERVICES3 | 600 W. BROADWAY, SUITE 600 SAN DIEGO, CA 92101 | MEDIEXCEL HEALTH PLAN | $2K | — | $2K | 4.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | MEDIEXCEL HEALTH PLAN | $977 | — | $977 | 2.44% |
| BLEAKLEY INSURANCE SERVICES3 | 600 W. BROADWAY, SUITE 600 SAN DIEGO, CA 92101 | UNION SECURITY INSURANCE COMPANY | $903 | — | $903 | 3.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNION SECURITY INSURANCE COMPANY | $289 | — | $289 | 1.21% |
| BLEAKLEY INSURANCE SERVICES3 | 600 W. BROADWAY, SUITE 600 SAN DIEGO, CA 92101 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $1K | — | $1K | 8.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $1K | — | $1K | 8.67% |
| BLEAKLEY INSURANCE SERVICES3 | 600 W. BROADWAY, SUITE 600 SAN DIEGO, CA 92101 | UNION SECURITY INSURANCE COMPANY | $384 | — | $384 | 3.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNION SECURITY INSURANCE COMPANY | $121 | — | $121 | 1.20% |
| BLEAKEY INSURANCE SERVICES3 | 600 W. BROADWAY, SUITE 600 SAN DIEGO, CA 92101 | UNION SECURITY INSURANCE COMPANY | $494 | — | $494 | 11.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNION SECURITY INSURANCE COMPANY | $164 | — | $164 | 3.74% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 119 | $1.6M |
| Dental | GUARDIAN | 134 | $147K |
| Vision | GUARDIAN | 134 | $147K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 135 | $36K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 25 | $4K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 35 | $10K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 119 | $1.6M |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 135 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
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.