| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, SUITE 200 BURLINGAMEREDWOOD CITY, CA 94065 | ANTHEM BLUE CROSS OF CALIFORNIA | $138K | $0 | $138K | 5.10% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, SUITE 200 REDWOOD CITY, CA 94065 | KAISER PERMANENTE | $51K | $0 | $51K | 4.94% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE FIN SERVICES | 12404 PARK CENTRAL DR., STE. 400S DALLAS, TX 752511800 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 3.85% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, STE 200 REDWOOD CITY, CA 94065 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 2.40% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 1980 FESTIVAL PARKWAY DR, STE 810 LAS VEGAS, NV 891352958 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.13% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, SUITE 200 REDWOOD CITY, CA 94065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 5.82% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, SUITE 200 REDWOOD CITY, CA 94065 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.79% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 1980 FESTIVAL PLAZA DR, STE 810 LAS VEGAS, NV 891352958 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.23% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, SUITE 200 REDWOOD CITY, CA 94065 | KAISER PERMANENTE | $4K | $0 | $4K | 5.00% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, SUITE 200 REDWOOD CITY, CA 94065 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $864 | $0 | $864 | 10.79% |
| 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 | $692 | $0 | $692 | 8.64% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 1980 FESTIVAL PLAZA DR, STE 810 LAS VEGAS, NV 891352958 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $173 | $173 | 2.16% |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 204 | $3.8M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 691 | $307K |
| Vision | VISION SERVICE PLAN | 272 | $88K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 83 | $244K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 83 | $244K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 83 | $244K |
| Prescription drug(3 contracts, 2 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 204 | $3.8M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 83 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 691 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.