| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLEAKLEY INSURANCE SERVICES3 Filed as: BLEAKLEY INSURANCE SERVICES INC | 600 W BROADWAY, SUITE 600 SAN DIEGO, CA 92101 | BLUE CROSS OF CALIFORNIA | $20K | — | $20K | 4.55% |
| AMWINS3 Filed as: LISI INC | 1600 W HILLSDALE BLVD, SUITE 201 SAN MATEO, CA 94403 | BLUE CROSS OF CALIFORNIA | — | $10K | $10K | 2.17% |
| 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 | $4K | — | $4K | 0.88% |
| BLEAKLEY INSURANCE SERVICES3 Filed as: BLEAKLEY INSURANCE SERVICES INC | 600 W BROADWAY, SUITE 600 SAN DIEGO, CA 92101 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | PRINCIPAL LIFE INSURANCE COMPANY | $484 | — | $484 | 1.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | CALIFORNIA DENTAL NETWORK, INC. | $2K | — | $2K | 10.00% |
| BLEAKLY INSURANCE SERVICES3 Filed as: BLEAKLY INSURANCE SERVICES, INC | 600 W BROADWAY #600 SAN DIEGO, CA 92101 | MEDIEXCEL HEALTH PLAN | $466 | — | $466 | 4.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | MEDIEXCEL HEALTH PLAN | $67 | — | $67 | 0.66% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 600 W BROADWAY SAN DIEGO, CA 92101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $757 | — | $757 | 8.74% |
| 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 | $48 | — | $48 | 0.55% |
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 | 100 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 89 | $448K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 100 | $50K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 87 | $9K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 100 | $34K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 100 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.