| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED OPTIONS INSURANCE SOLUTION3 Filed as: ADVANCED OPTIONS INS SOLUTTIONS | 409 N PACIFIC COAST HWY #215 REDONDO BEACH, CA 90277 | BLUE CROSS OF CALIFORNIA | $45K | — | $45K | 4.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMNINSTRATORS | 721 S PARKER STREET, SUITE 300 ORANGE, CA 92868 | BLUE CROSS OF CALIFORNIA | — | $19K | $19K | 1.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 600 CORPORATE POINTE, SUITE 600 CULVER CITY, CA 90230 | BLUE CROSS OF CALIFORNIA | $4K | — | $4K | 0.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 600 CORPORATE POINTE, SUITE 600 CULVER CITY, CA 90230 | DELTA DENTAL OF CALIFORNIA | $10K | — | $10K | 10.00% |
| ADVANCED OPTIONS INSURANCE SOLUTION3 Filed as: ADVANCED OPTIONS INS SOLUTTIONS | 409 N PACIFIC COAST HWY # 215 REDONDO BEACH, CA 90277 | SYMETRA LIFE INSURANCE COMPANY | $12K | — | $12K | 14.13% |
| ADVANCED OPTIONS INSURANCE SOLUTION3 Filed as: ADVANCED OPTIONS INS SOLUTTIONS | 409 N PACIFIC COAST HWY # 215 REDONDO BEACH, CA 90277 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $705 | — | $705 | 4.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMNINSTRATORS | 721 S PARKER STREET, SUITE 300 ORANGE, CA 92868 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $296 | $296 | 1.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 600 CORPORATE POINTE, SUITE 600 CULVER CITY, CA 90230 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $67 | — | $67 | 0.44% |
| ADVANCED OPTIONS INSURANCE SOLUTION3 Filed as: ADVANCED OPTIONS INS SOLUTTIONS | 409 N PACIFIC COAST HWY # 215 REDONDO BEACH, CA 90277 | VISION SERVICE PLAN | $809 | — | $809 | 5.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMNINSTRATORS | 721 S PARKER STREET, SUITE 300 ORANGE, CA 928684732 | VISION SERVICE PLAN | $703 | — | $703 | 4.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 600 CORPORATE POINTE, SUITE 600 CULVER CITY, CA 90230 | VISION SERVICE PLAN | $241 | — | $241 | 1.71% |
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 | 153 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 111 | $976K |
| Dental | DELTA DENTAL OF CALIFORNIA | 114 | $97K |
| Vision | VISION SERVICE PLAN | 110 | $14K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 153 | $83K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 153 | $83K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 153 | $83K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 111 | $976K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 153 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.