| 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 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | $223K | $240 | $223K | 2.84% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, SUITE 200 REDWOOD CITY, CA 94065 | METROPOLITAN LIFE INSURANCE COMPANY | $74K | $0 | $74K | 10.47% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC/THREEFLOW | 306 W ERIE ST STE 300 CHICAGO, IL 606543902 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 1.35% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | $883 | $0 | $883 | 0.12% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, SUITE 200 REDOWWD CITY, CA 94065 | KAISER FOUNDATION HEALTH PLAN, INC. | $17K | $0 | $17K | 2.96% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, STE 200 REDWOOD CITY, CA 94065 | LIFE INSURANCE COMPANY OF AMERICA | $50K | $0 | $50K | 8.95% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES/THREEFLOW | 306 W ERIE ST, FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $7K | 1.24% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, STE 200 REDWOOD CITY, CA 94065 | EYEMED VISION CARE | $12K | $0 | $12K | 9.20% |
| THREEFLOW3 | 306 W ERIE ST, STE 300 CHICAGO, IL 60654 | EYEMED VISION CARE | $0 | $1K | $1K | 0.95% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, SUITE 200 REDWOOD CITY, CA 94065 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $2K | $0 | $2K | 3.00% |
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 | 770 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 794 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | 547 | $8.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,380 | $709K |
| Vision | EYEMED VISION CARE | 1,112 | $134K |
| Life insurance | LIFE INSURANCE COMPANY OF AMERICA | 770 | $557K |
| Short-term disability | LIFE INSURANCE COMPANY OF AMERICA | 770 | $557K |
| Long-term disability | LIFE INSURANCE COMPANY OF AMERICA | 770 | $557K |
| Prescription drug(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | 547 | $8.5M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF AMERICA | 770 | $567K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,380 | — |
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.