| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | BLUE SHIELD OF CALIFORNIA CALIFORNIA PHYSICIAN'S SERVICES | $114K | $70 | $114K | 4.81% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INSURANCE AGENCY | 1212 BROADWAY PLAZA SUITE 2100 WALNUT CREEK, CA 94596 | BLUE SHIELD OF CALIFORNIA CALIFORNIA PHYSICIAN'S SERVICES | $33K | — | $33K | 1.37% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INSURANCE AGENCY | 1212 BROADWAY PLAZA SUITE 2100 WALNUT CREEK, CA 94596 | PRESBYTERIAN HEALTH PLAN, INC. | $2.2M | — | $2.2M | 215.37% |
| ROBERT E. DUNCAN3 Filed as: ROBERT DUNAN | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 3.22% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INSURANCE AGENCY | 1212 BROADWAY PLAZA SUITE 2100 WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.49% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | KAISER FOUNDATION HEALTH PLAN, INC. | $8K | — | $8K | 4.15% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INSURANCE AGENCY | 1212 BROADWAY PLAZA SUITE 2100 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 1.35% |
| ROBERT E. DUNCAN3 Filed as: ROBERT DUNAN | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 12.06% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INSURANCE AGENCY | 1212 BROADWAY PLAZA SUITE 2100 WALNUT CREEK, CA 94596 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.16% |
| ROBERT DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 12.56% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INSURANCE AGENCY | 1212 BROADWAY PLAZA SUITE 2100 WALNUT CREEK, CA 94596 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.74% |
| ROBERT DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 12.31% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INSURANCE AGENCY | 1212 BROADWAY PLAZA SUITE 2100 WALNUT CREEK, CA 94596 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.95% |
| ROBERT DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.10% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INSURANCE AGENCY | 1212 BROADWAY PLAZA SUITE 2100 WALNUT CREEK, CA 94596 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.17% |
| ROBERT E. DUNCAN3 Filed as: ROBERT DUNAN | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | HARTFORD LIFE AND ACCIDENT | $885 | — | $885 | 15.00% |
| ROBERT E. DUNCAN3 Filed as: ROBERT DUNAN | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | SAFERGUARD HEALTH PLANS, INC., A CALIFORNIA CORPERATION | $315 | — | $315 | 8.36% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INSURANCE AGENCY | 1212 BROADWAY PLAZA SUITE 2100 WALNUT CREEK, CA 94596 | SAFERGUARD HEALTH PLANS, INC., A CALIFORNIA CORPERATION | $64 | — | $64 | 1.70% |
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 | 205 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA CALIFORNIA PHYSICIAN'S SERVICES | 277 | $3.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 680 | $258K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 680 | $254K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 646 | $80K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 263 | $74K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA CALIFORNIA PHYSICIAN'S SERVICES | 277 | $2.4M |
| Other | HARTFORD LIFE AND ACCIDENT | 280 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 680 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.