| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | AETNA LIFE INSURANCE COMPANY | $183K | $32 | $183K | 0.86% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS NATIONAL INC | DEPT 133667 PO BOX 39000 SAN FRANCISCO, CA 94139 | AETNA LIFE INSURANCE COMPANY | $145K | $49 | $145K | 0.68% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | DEPT 133667 PO BOX 39000 SAN FRANCISCO, CA 94139 | AETNA LIFE INSURANCE COMPANY | $32K | — | $32K | 0.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | AETNA HEALTH INC | $39K | — | $39K | 0.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS NATIONAL INC | DEPT 133667 PO BOX 39000 SAN FRANCISCO, CA 94139 | AETNA HEALTH INC | $30K | — | $30K | 0.59% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | DEPT 133667 PO BOX 39000 SAN FRANCISCO, CA 94139 | AETNA HEALTH INC | $6K | — | $6K | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | DELTA DENTAL OF CALIFORNIA | $51K | — | $51K | 2.86% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS NATIONAL INC | 777 S FIGUEROA ST, SUITE 2100 LOS ANGELES, CA 90017 | DELTA DENTAL OF CALIFORNIA | $38K | — | $38K | 2.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS NATIONAL INC | PO BOX 39000 SAN FRANCISCO, CA 94139 | VISION SERVICE PLAN | $3K | — | $3K | 1.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | VISION SERVICE PLAN | $2K | — | $2K | 0.84% |
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 | 1,541 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,617 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 2,157 | $26.4M |
| Dental | DELTA DENTAL OF CALIFORNIA | 1,565 | $1.8M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,576 | $276K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 2,157 | $21.3M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 2,157 | $21.3M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 2,157 | $21.3M |
| Prescription drug(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 2,157 | $26.4M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 2,157 | $21.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,157 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.