| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED INSURANCE SERVICES, INC.3 | PO BOX 609 SANTA BARBARA, CA 93102 | BLUE CROSS OF CALIFORNIA | $2K | $545 | $2K | 1.41% |
| MICHAEL FRAMBERGER3 | 82 LA LOMA COURT SAN LUIS OBISPO, CA 93405 | BLUE CROSS OF CALIFORNIA | $879 | — | $879 | 0.50% |
| INTEGRATED INSURANCE SERVICES, INC.3 | PO BOX 609 SANTA BARBARA, CA 93102 | UNION SECURITY INSURANCE COMPANY | — | $17K | $17K | 19.32% |
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 | 991 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 991 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 991 | $536K |
| Vision | BLUE CROSS OF CALIFORNIA | 1,327 | $175K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,327 | $261K |
| Short-term disability(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,327 | $261K |
| Long-term disability(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,327 | $261K |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,327 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,327 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.