| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | BLUE CROSS OF CALIFORNIA | $33K | — | $33K | 5.30% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | BLUE CROSS BLUE SHIELD OF FLORIDA | $25K | — | $25K | 6.00% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN INC. | $12K | — | $12K | 4.97% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | PREMIER ACCESS INSURANCE COMPANY | $3K | — | $3K | 4.24% |
| WOODFOREST FINANCIAL SERVICES INC3 Filed as: WOODFOREST FINANACIAL SERVICES INC. | 1599 LAKE ROBBINS DRIVE, SUITE 200 SPRING, TX 77380 | FIRST CONTINENTAL LIFE AND ACCIDENT INSURANCE CO. | $3K | — | $3K | 5.00% |
| GEORGE W EVANS & ASSOCIATES INC3 Filed as: GEORGE W. EVANS & ASSOCIATES INC. | 5904 DOLORES HOUSTON, TX 77057 | FIRST CONTINENTAL LIFE AND ACCIDENT INSURANCE CO. | $2K | — | $2K | 2.50% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | FIRST CONTINENTAL LIFE AND ACCIDENT INSURANCE CO. | $1K | — | $1K | 1.60% |
| WOODFOREST FINANCIAL SERVICES INC3 Filed as: WOODFOREST FINANCIAL SERVICES | 1599 LAKE ROBBINS DRIVE, SUITE 200 THE WOODLANDS, TX 77380 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.70% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $796 | $50 | $846 | 3.46% |
| FESSLER AGENCY INC3 Filed as: THE FESSLER AGENCY INC. | 3165 N. MCMULLEN BOOTH ROAD CLAERWATER, FL 33761 | HUMANA INSURANCE COMPANY | $2K | $2K | $4K | 18.08% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | HUMANA INSURANCE COMPANY | $753 | — | $753 | 3.14% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| WOODFOREST FINANCIAL SERVICES INC3 Filed as: WOODFOREST FINANCIAL SERVICES | 1599 LAKE ROBBINS DRIVE, SUITE 200 THE WOODLANDS, TX 77380 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $910 | — | $910 | 4.75% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $623 | $51 | $674 | 3.52% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $923 | — | $923 | 5.30% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| WOODFOREST FINANCIAL SERVICES INC3 Filed as: WOODFOREST FINANCIAL SERVICES INC. | 1599 LAKE ROBBINS DRIVE, SUITE 200 THE WOODLANDS, TX 77380 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.04% |
| WOODFOREST FINANCIAL SERVICES INC3 Filed as: WOODFOREST FINANCIAL SERVICES | 1599 LAKE ROBBIND DRIVE, SUITE 200 THE WOODLANDS, TX 77380 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.25% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $814 | $41 | $855 | 5.90% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $770 | — | $770 | 15.00% |
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 | 330 | 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) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 88 | $1.3M |
| Dental(3 contracts, 3 carriers) | PREMIER ACCESS INSURANCE COMPANY | 138 | $161K |
| Vision(3 contracts, 3 carriers) | FIRST CONTINENTAL LIFE AND ACCIDENT INSURANCE CO. | 152 | $105K |
| Life insurance(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 168 | $89K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $35K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 168 | $36K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 88 | $866K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 168 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.