| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | BLUE SHIELD OF CALIFORNIA - CALIFORNIA PHYSICIANS' SERVICE | — | $42K | $42K | 3.01% |
| DOVE BENEFITS INSURANCE SERVICES3 | 9891 IRVINE CENTER DR, SUITE 200 IRVINE, CA 92618 | BLUE SHIELD OF CALIFORNIA - CALIFORNIA PHYSICIANS' SERVICE | — | $1K | $1K | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $10K | $617 | $10K | 11.41% |
| DOVE BENEFITS INSURANCE SERVICES3 Filed as: DOVE BENEFITS INSURANCE SVCS | 9891 IRVINE CENTER DR, SUITE 200 IRVINE, CA 92618 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $1K | — | $1K | 1.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $459 | $8K | 9.18% |
| DOVE BENEFITS INSURANCE SERVICES3 | 9891 IRVINE CENTER DR, SUITE 200 IRVINE, CA 92618 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $903 | — | $903 | 6.82% |
| DOVE BENEFITS INSURANCE SERVICES3 | 9891 IRVINE CENTER DR, SUITE 200 IRVINE, CA 92618 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $175 | — | $175 | 1.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | ARAG INSURANCE COMPANY | $116 | — | $116 | 3.32% |
| DOVE BENEFITS INSURANCE SERVICES3 | 9891 IRVINE CENTER DR, SUITE 200 IRVINE, CA 92618 | ARAG INSURANCE COMPANY | $87 | — | $87 | 2.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | BLUE CROSS OF CALIFORNIA | $0 | — | $0 | 0.00% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA - CALIFORNIA PHYSICIANS' SERVICE | 113 | $1.4M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 109 | $90K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 99 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $86K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $86K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $86K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA - CALIFORNIA PHYSICIANS' SERVICE | 113 | $1.4M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.