| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | CALIFORNIA PHYSICIANS SERVICE | — | $83K | $83K | 3.17% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $890 | $41K | 13.05% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $2K | $13K | 4.19% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES INC. | 500 YGNACIO VALLEY ROAD WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 1.80% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | SAFEGUARD HEALTH PLANS, INC. | $2K | $79 | $3K | 10.81% |
| GIS BENEFITS INC Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC. | $905 | $184 | $1K | 4.65% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES INC. | 500 YGNACIO VALLEY ROAD WALNUT CREEK, CA 94596 | SAFEGUARD HEALTH PLANS, INC. | $186 | — | $186 | 0.79% |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 223 | $2.6M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 480 | $341K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 480 | $318K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 480 | $318K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 480 | $318K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 480 | $318K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 223 | $2.6M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 480 | $318K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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."
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.