| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 100 PINE STREET, 11TH FLOOR SAN FRANCISCO, CA 94111 | BLUE CROSS OF CALIFORNIA | $64K | — | $64K | 5.05% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $3K | $11K | 5.59% |
| DICK WILLIAM BILY AND OTHER AGENTS3 | PO BOX 18224 TAMPA, FL 33679 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $202 | $3K | 3.72% |
| MEGAREINS INC3 Filed as: MEGAREINS INC. | PO BOX 18224 TAMPA, FL 33679 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $35 | $3K | 3.66% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: AFFILIATED RISK MANAGEMENT INC. | PO BOX 241448 CHARLOTTE, NC 28224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.77% |
| PAT WILLIAMS INSURANCE CONSULTANTS3 | 18201 GULF BOULEVARD REDINGTON SHORES, FL 33708 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.70% |
| DOUGLAS I WINSLOW3 Filed as: DOUGLAS I. WINSLOW | 6284 105TH TERRACE PINELLAS PARK, FL 33782 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $523 | — | $523 | 0.65% |
| COACH CONCEPTS INC3 Filed as: COACH CONCEPTS INC. | 5655 OAKHURST DRIVE SEMINOLE, FL 33772 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $422 | $80 | $502 | 0.62% |
| JESSICA CHRISTINE LEARD3 | 351 NORTH POST OAK LANE, SUITE 610 HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $364 | $69 | $433 | 0.54% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | EYEMED VISION CARE | $3K | — | $3K | 9.31% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 207 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 474 | $193K |
| Vision | EYEMED VISION CARE | 357 | $37K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 99 | $81K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 207 | $1.3M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 99 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 474 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.