| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1 S. LOS CARNEROS ROAD GOLETA, CA 93117 | BLUE CROSS OF CALIFORNIA | $29K | $1K | $30K | 4.87% |
| AMWINS3 Filed as: LISI INC. | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94403 | BLUE CROSS OF CALIFORNIA | — | $11K | $11K | 1.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2401 E. KATELLA AVENUE ANAHEIM, CA 92806 | STANDARD INSURANCE COMPANY | $1K | $309 | $1K | 5.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2401 E. KATELLA AVENUE ANAHEIM, CA 92806 | STANDARD INSURANCE COMPANY | $2K | $374 | $3K | 17.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2401 E. KATELLA AVENUE ANAHEIM, CA 92806 | STANDARD INSURANCE COMPANY | $958 | $232 | $1K | 13.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2401 E. KATELLA AVENUE ANAHEIM, SC 92806 | MEDIEXCEL HEALTH PLAN | $416 | — | $416 | 4.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2401 E. KATELLA AVENUE ANAHEIM, CA 92806 | STANDARD INSURANCE COMPANY | $318 | $96 | $414 | 5.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2401 E. KATELLA AVENUE ANAHEIM, CA 92806 | ARAG INSURANCE COMPANY | $221 | — | $221 | 10.01% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 138 | $624K |
| Dental | STANDARD INSURANCE COMPANY | 43 | $27K |
| Vision | STANDARD INSURANCE COMPANY | 57 | $8K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 138 | $624K |
| Long-term disability | STANDARD INSURANCE COMPANY | 36 | $16K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 138 | $615K |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 138 | $617K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.