| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P. O. BOX 4328 TORRANCE, CA 90510 | DELTA DENTAL OF CALIFORNIA | $66K | — | $66K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | HEALTH NET LIFE INSURANCE COMPANY (MANAGED HEALTH NETWORK) | $125K | — | $125K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P. O. BOX 4328 TORRANCE, CA 90510 | HARTFORD LIFE AND ACCIDENT | $170K | $5K | $175K | 14.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | VISION SERVICE PLAN | $24K | — | $24K | 5.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | P.O. BOX 4328 TORRANCE, CA 90510 | MANAGED HEALTH NETWORK | $730 | — | $730 | 10.00% |
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 | 3,275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 2,973 | $2.2M |
| Vision | VISION SERVICE PLAN | 2,778 | $445K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,275 | $1.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,275 | $1.2M |
| Other(3 contracts, 3 carriers) | HEALTH NET LIFE INSURANCE COMPANY (MANAGED HEALTH NETWORK) | 3,683 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,683 | — |
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.