| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | ANTHEM BLUE CROSS | $7K | — | $7K | 0.05% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NY 100878852 | DELTA DENTAL OF CALIFORNIA | $13K | — | $13K | 3.00% |
| SAMIR H. SHETH3 Filed as: SAMIR H SHETH | 1000 WILSHIRE BLVD SUITE 1830 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 4.04% |
| RICHARD C. CALLISTER3 Filed as: RICHARD C CALLISTER | 4929 HILLARD AVE LA CANADA, CA 91011 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 4.04% |
| BRET M BOEGER3 | 4747 WEST 135TH STE 350 LEEWOOD, KS 66224 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 2.02% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | — | $2K | $2K | 2.50% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NY 100878852 | DELTA DENTAL OF CALIFORNIA | $230 | — | $230 | 3.00% |
| SAMIR H. SHETH3 Filed as: SAMIR HARSHAD SHETH | 1000 WILSHIRE BLVD STE 1830 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | $255 | — | $255 | 4.00% |
| RICHARD C. CALLISTER3 Filed as: RICHARD CAZIER CALLISTER | 4929 HILLARD AVE LA CANADA, CA 91011 | HARTFORD LIFE AND ACCIDENT | $255 | — | $255 | 4.00% |
| BRET M BOEGER3 | 4551 W 107TH STREET STE 310 OVERLAND PARK, KS 66207 | HARTFORD LIFE AND ACCIDENT | $128 | — | $128 | 2.01% |
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 | 501 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | ANTHEM BLUE CROSS | 169 | $16.8M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 741 | $451K |
| Vision | VISION SERVICE PLAN | 359 | $73K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 502 | $252K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 502 | $252K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 502 | $252K |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 502 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 741 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.