| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 2125 YGNACIO VALLEY RD SUITE 200 WALNUT CREEK, CA 94598 | BLUE CROSS OF CALIFORNIA | $211K | — | $211K | 3.93% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES INC | 100 N 1ST ST #301 GLENDALE, CA 91203 | BLUE CROSS OF CALIFORNIA | -$116 | — | -$116 | -0.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. DBA | 4634 GULFSTARR DR DESTIN, FL 32541 | PRINCIPAL LIFE INSURANCE COMPANY | $67K | — | $67K | 8.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN BENEFIT ADMINISTRATO | 721 S. PARKER #300 ORANGE, CA 92868 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | — | $23K | 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 | 596 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 596 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 647 | $5.4M |
| Dental(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 1,167 | $6.1M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,167 | $764K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,167 | $764K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,167 | $764K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,167 | $764K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 1,167 | $764K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,167 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.