| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARHS & MCLENNAN AGENCY LLC | 161 WASHINGTON STREET, STE 1200 CONSHOHOCKEN, PA 19428 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $163K | $2K | $165K | 6.32% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN INC | $18K | $0 | $18K | 5.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNANA AGENCY LLC | 1031 W 4TH AVENUE, STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 4.71% |
| BRIAN W PATTEN3 Filed as: BRIAN WILLIAM PATTEN | 121 BUCKTHORN RD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 3.00% |
| DANIEL C HARRIS3 | 413 OAK RIDGE COURT MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.16% |
| MICHAEL R. FISHER3 Filed as: MICHAEL ROBERT FISHER | 532 PARK ROSE AVE MONROVIA, CA 91016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $949 | $0 | $949 | 0.43% |
| JACK BITTEL3 | 129 MARION DRIVE MCMURRAY, PA 15317 | CONTINENTAL AMERICAN INSURANCE COMPANY | $492 | $0 | $492 | 0.23% |
| HEATHER M BARTLEY3 | 602 BEAVER CT WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $404 | $0 | $404 | 0.19% |
| MARIA SANTAY3 | 4135 ROWLAND AVE, APT #15 EL MONTE, CA 91731 | CONTINENTAL AMERICAN INSURANCE COMPANY | $364 | $0 | $364 | 0.17% |
| ASHTON POTTS3 | 2601 S FIGUEROA ST, SUITE 2 LOS ANGELES, CA 90007 | CONTINENTAL AMERICAN INSURANCE COMPANY | $306 | $0 | $306 | 0.14% |
| EVAN BENJAMIN GERSON3 | 521SALEM HEIGHTS DR GIBSONIA, PA 15044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $194 | $0 | $194 | 0.09% |
| RAUL GARCIA3 | 22 BONITA ST, APT C ARCADIA, CA 91106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $126 | $0 | $126 | 0.06% |
| JASON DUARTE3 | 460 ANDERSON PL PASADENA, CA 91103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $126 | $0 | $126 | 0.06% |
| DAVID JAMES RANDALL3 | 1860 CHESSON STREET DUARTE, CA 91010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $119 | $0 | $119 | 0.05% |
| JACQUELINE LEAL3 | 4053 HORNBROOK AVE BALDWIN PARK, CA 91706 | CONTINENTAL AMERICAN INSURANCE COMPANY | $106 | $0 | $106 | 0.05% |
| BRIAN W PATTEN3 Filed as: BRIAN WILLIAM PATTEN | 121 BUCKTHORN RD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | $0 | $54 | 0.02% |
| PABLO COHEN VELASQUEZ3 | 5036 LINCOLN AVENUE LOS ANGELES, CA 90042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | $0 | $36 | 0.02% |
| CARLOS EMIRO GARCIA3 | 1034 N KINGSLEY DR, APT 11 LOS ANGELES, CA 90029 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | $0 | $30 | 0.01% |
| HEIDI A HERDMAN3 | 1227 CRANE BROOK WAY PEABODY, MA 01960 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 0.01% |
| ALICIA MARGARITA ESPINOZA3 | 170 EL DORADO ST ARCADIA, CA 91006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | $0 | $17 | 0.01% |
| JEREMY C TUCKFELT3 | 3456 PENN AVE PITTSBURGH, PA 15201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 0.00% |
| VICTOR NORDENFLYCHT-DARBY3 | 710 N PASS AVENUE BURBANK, CA 91505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.00% |
| JOSE DAVID FRAGOSO-COYOTL3 | 50 W LEMON AVE, STE 2 MONROVIA, CA 91016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER CHARLES FEAZEL | 33 CONANT STREET DANVERS, MA 01923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| RHONDA A DRESNER3 | 114 BURLINGTON ST WOBURN, MA 01801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| HEATHER M BARTLEY3 | 602 BEAVER CT WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| DANIEL C HARRIS3 | 413 OAK RIDGE COURT MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MATTHEW RYAN KIRKWOOD3 | 337 FIELDSRUN ROAD NEW CASTLE, PA 16105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | ANTHEM LIFE INSURANCE COMPANY | $14K | $0 | $14K | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 9171 TOWNE CENTRE, STE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $963 | $193 | $1K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 9171 TOWNE CENTRE, STE 500 SAN DIEGO, CA 92122 | FIRST UNUM LIFE INSURANCE COMPANY | $546 | $73 | $619 | 17.00% |
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 | 791 | 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) | 793 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 537 | $2.9M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 537 | $2.6M |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 812 | $310K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 20 | $10K |
| Prescription drug | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 537 | $2.6M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 812 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 812 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.