| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOOD GUTMANN & BOGART INSURANCE3 | 15901 RED HILL AVE. SUITE 100 TUSTIN, CA 92780 | CALIFORNIA PHYSICIANS SERVICE | $72K | — | $72K | 6.42% |
| HAYS COMPANIES, INC.3 Filed as: HAYS OF CALIFORNIA INS. SVCS. | 18201 VON KRMAN AVE. SUITE 1020 IRVINE, CA 92612 | CALIFORNIA PHYSICIANS SERVICE | $7K | — | $7K | 0.58% |
| WOOD GUTMANN & BOGART INSURANCE3 Filed as: WOOD GUTMANN & BOGART INS. BROKERS | 15901 RED HILL AVE. SUITE 100 TUSTIN, CA 92780 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $27 | $9K | 9.37% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 2301 ROSECRANS AVE. SUITE 4130 EL SEGUNDO, CA 902454966 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $99 | $2K | 1.77% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S. GARLAND AVE. SUITE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.24% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S. 8TH STREET SUITE 700 MINNEAPOLIS, MN 554022105 | METROPOLITAN LIFE INSURANCE COMPANY | — | $932 | $932 | 0.93% |
| WOOD GUTMANN & BOGART INSURANCE3 Filed as: WOOD GUTMANN & BOGART INS. BROKERS | 15901 ARED HILL AVE. SUITE 100 TUSTIN, CA 927807318 | SAFEGUARD HEALTH PLANS, INC. | $821 | — | $821 | 8.80% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 2301 ROSECRANS AVE. SUITE 4130 EL SEGUNDO, CA 902454966 | SAFEGUARD HEALTH PLANS, INC. | $176 | — | $176 | 1.89% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S. 8TH STREET SUITE 700 MINNEAPOLIS, MN 554022105 | SAFEGUARD HEALTH PLANS, INC. | — | $89 | $89 | 0.95% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 172 | $1.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 218 | $109K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 218 | $100K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 218 | $100K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 218 | $100K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 218 | $100K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 172 | $1.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 218 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.