| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 4.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN INC | $3K | $108 | $3K | 5.33% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $558 | $2K | 6.62% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 301 COMMERCE STREET, SUITE 2370 FORTH WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $923 | — | $923 | 2.56% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $503 | $2K | 6.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 301 COMMERCE STREET, SUITE 2370 FORTH WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $906 | — | $906 | 2.71% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $374 | $2K | 9.85% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 301 COMMERCE STREET, SUITE 2370 FORTH WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 4.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | EYEMED VISION CARE | $1K | — | $1K | 9.85% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $425 | $97 | $522 | 8.38% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 301 COMMERCE STREET, SUITE 2370 FORTH WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $322 | — | $322 | 5.17% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 10 | $53K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 95 | $86K |
| Vision | EYEMED VISION CARE | 196 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 125 | $33K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 40 | $36K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 49 | $24K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 10 | $53K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 125 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.