| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGEE & THIELEN INSURANCE BROKERS3 Filed as: MCGEE & THIELEN INS BROKERS | 3840 ROSIN CT STE 245 SACRAMENTO, CA 95834 | CALIFORNIA PHYSICIANS' SERVICE | $45K | — | $45K | 5.05% |
| MCGEE & THIELEN INSURANCE BROKERS3 | 3840 ROSIN CT STE 245 SACRAMENTO, CA 95834 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MCGEE & THIELEN INSURANCE BROKERS3 Filed as: MCGEE & THIELEN INS BROKERS | 3840 ROSIN CT STE 245 SACRAMENTO, CA 95834 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $247 | — | $247 | 5.00% |
| SULLIVAN, DENNIS M3 | 703 PALOMAR AIRPORT RD 330 CARLSBAD, CA 92011 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | — | $99 | $99 | 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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 182 | $882K |
| Dental | CALIFORNIA PHYSICIANS' SERVICE | 182 | $882K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 156 | $11K |
| Life insurance | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | 113 | $5K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 182 | $882K |
| Other | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | 113 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.