| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, STE 200 REDWOOD CITY, CA 94065 | ANTHEM BLUE CROSS OF CALIFORNIA | $39K | $0 | $39K | 4.50% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, STE 200 BURLINGAMEREDWOOD CITY, CA 94065 | KAISER PERMANENTE | $30K | $0 | $30K | 4.97% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, STE 200 REDWOOD CITY, CA 94065 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.90% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE FIN SERVICES | 12404 PARK CENTRAL DR., STE. 400S DALLAS, TX 752511800 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.37% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 500 TREAT AVE STE 200 SAN FRANCISCO, CA 941102068 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.73% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, STE 200 REDWOOD CITY, CA 94065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $809 | $10K | 9.40% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, STE 200 REDWOOD CITY, CA 94065 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.94% |
| ENROLLEASE3 Filed as: ENROLLEASE INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR #810 LAS VEGAS, NV 891359958 | VISION SERVICE PLAN | $0 | $322 | $322 | 0.74% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, STE 200 REDWOOD CITY, CA 94065 | KAISER PERMANENTE | $2K | $0 | $2K | 5.00% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, STE 200 REDWOOD CITY, CA 94065 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $143 | $0 | $143 | 10.23% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FINANCIAL SERVICES | 12404 PARK CENTRAL DR., STE. 400S DALLAS, TX 751511800 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $57 | $0 | $57 | 4.08% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 500 TREAT AVE STE 200 SAN FRANCISCO, CA 941102068 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $11 | $11 | 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 | 153 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 120 | $1.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $151K |
| Vision | VISION SERVICE PLAN | 137 | $43K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $108K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $108K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $108K |
| Prescription drug(3 contracts, 2 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 120 | $1.5M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.