| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTER DRIVE, SUITE 500 SAN DIEGO, CA 92122 | BLUE CROSS OF CALIFORNIA | $65K | $0 | $65K | 2.00% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | BLUE CROSS OF CALIFORNIA | $51K | $6K | $58K | 1.79% |
| ROGER H. MORRIS3 | 14841 YORBA STREET, SUITE 203 TUSTIN, CA 92780 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 20.24% |
| CHRISTOPHER THOMAS SMITH3 | PO BOX 6650 METAIRIE, TN 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $182 | $2K | 2.19% |
| NYLIFE SECURITIES LLC3 Filed as: NYLIFE SECURITIES, LLC | 51 MADISON AVENUE ROOM 606 NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $70 | $70 | 0.07% |
| ROGER H. MORRIS3 | 14841 YORBA STREET, SUITE 203 TUSTIN, CA 92780 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 7.21% |
| NYLIFE SECURITIES LLC3 Filed as: NYLIFE SECURITIES, LLC | 51 MADISON AVENUE, ROOM 606 NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $626 | $626 | 0.75% |
| ROGER H. MORRIS3 | 14841 YORBA STREET, SUITE 203 TUSTIN, CA 92780 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 6.67% |
| NYLIFE SECURITIES LLC3 Filed as: NYLIFE SECURITIES, LLC | 51 MADISON AVENUE ROOM 752 NEW YORK, NY 10010 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $533 | $533 | 1.94% |
| CHRISTOPHER THOMAS SMITH3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $130 | $2K | 16.82% |
| ROGER H. MORRIS3 | 14841 YORBA STREET, SUITE 203 TUSTIN, CA 92780 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 15.66% |
| CHRISTOPHER THOMAS SMITH3 | PO BOX 6650 METAIRIE, TN 70009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 20.87% |
| ROGER H. MORRIS3 | 14841 YORBA STREET, SUITE 203 TUSTIN, CA 92780 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 18.88% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 462 | $3.2M |
| Dental | BLUE CROSS OF CALIFORNIA | 462 | $3.2M |
| Vision | BLUE CROSS OF CALIFORNIA | 462 | $3.2M |
| Life insurance(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 462 | $3.3M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 209 | $83K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 209 | $111K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 462 | $3.2M |
| Other(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 462 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.