| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARKER CONRAD3 Filed as: PARKER R. CONRAD | 303 2ND ST., SUITE 401 NORTH TOWER SAN FRANCISCO, CA 94107 | BLUE CROSS OF CALIFORNIA | $22K | — | $22K | 3.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 91102 | BLUE CROSS OF CALIFORNIA | $7K | — | $7K | 1.19% |
| CONRAD PARKER3 Filed as: CONRAD, PARKER | 650 CHURCH ST. 3 SAN FRANCISCO, CA 94114 | BLUE CROSS OF CALIFORNIA | $137 | — | $137 | 0.02% |
| INSUREYOURPEOPLE, LLC3 | 40 E. RIO SALADO PARKWAY SUITE 900 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $389 | $9 | $398 | 17.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 91102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $94 | $16 | $110 | 4.88% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY. SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $55 | $18 | $73 | 3.24% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 131 | $614K |
| Dental | BLUE CROSS OF CALIFORNIA | 131 | $614K |
| Vision | BLUE CROSS OF CALIFORNIA | 131 | $614K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 62 | $2K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 62 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.