| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAP/CARPENTER/KEMPS INSURANCE3 | 3187 COLLINGS DRIVE MERCED, CA 95348 | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | $3K | — | $3K | 2.73% |
| LEAP/CARPENTER/KEMPS INSURANCE3 | P. O. BOX 1512 MERCED, CA 95341 | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | $2K | — | $2K | 1.83% |
| LEAP/CARPENTER/KEMPS INSURANCE3 | 3187 COLLINS DRIVE, SUITE A MERCED, CA 95348 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 10.00% |
| LEAP/CARPENTER/KEMPS INSURANCE3 | 3187 COLLINS DRIVE MERCED, CA 95348 | BLUE SHIELD OF CALIFORNIA | $2K | — | $2K | 7.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | 701 S. PARKER ST 8TH FL ORANGE, CA 92868 | BLUE SHIELD OF CALIFORNIA | $497 | — | $497 | 2.00% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | 211 | $118K |
| Vision | BLUE SHIELD OF CALIFORNIA | 0 | $25K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 196 | $25K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 196 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.