| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN INC. | $24K | $930 | $25K | 5.17% |
| AMWINS3 Filed as: LISI LLC | 1600 W HILLSDALE BLVD STE 201 SAN MATEO, CA 944023766 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $948 | $3K | 8.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLEANNAN AGENCY LLC | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 921221238 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $487 | $487 | 1.28% |
| B WOOD INSURANCE AGENCY, INC.3 Filed as: B WOOD INSURANCE AGENCY INC | 4032 WABASKA DR SAN DIEGO, CA 921071812 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $138 | $138 | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 26248 ENTERPRISES COURT LAKE FOREST, CA 92630 | MEDIEXCEL HEALTH PLAN | $941 | $0 | $941 | 5.05% |
| AMWINS3 Filed as: LISI LLC | 1600 W HILLSDALE BLVD STE 201 SAN MATEO, CA 944023766 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $362 | $210 | $572 | 9.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 921221238 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $362 | $0 | $362 | 5.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $85 | $85 | 1.39% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 67 | $500K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $44K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $38K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $38K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.