| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KYLAS INSURANCE & FINANCIAL SERVICE3 | 21515 HAWTHORNE BOULEVARD SUITE 1059 TORRANCE, CA 90503 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $37K | — | $37K | 2.98% |
| MARC JACOBSON3 Filed as: MARC J JACOBSON | 425 HUEHL ROAD UNIT 16B NORTHBROOK, IL 60062 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $37K | — | $37K | 2.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE INC | 721 SOUTH PARKER STREET ORANGE, CA 92868 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $13K | — | $13K | 1.01% |
| MARC JACOBSON3 | 425 HUEHL ROAD BUILDING 16B NORTHBROOK, IL 60062 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $468 | $5K | 10.27% |
| KYLAS INSURANCE & FINANCIAL SERVICE3 | 21515 HAWTHORNE BOULEVARD SUITE 1059 TORRANCE, CA 90503 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 9.22% |
| MARC JACOBSON3 | 425 HUEHL ROAD BUILDING 16B NORTHBROOK, IL 60062 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $200 | $3K | 11.06% |
| KYLAS INSURANCE & FINANCIAL SERVICE3 | 21515 HAWTHORNE BOULEVARD SUITE 1059 TORRANCE, CA 90503 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.23% |
| MARC JACOBSON3 | 425 HUEHL ROAD BUILDING 16B NORTHBROOK, IL 60062 | METROPOLITAN LIFE INSURANCE COMPANY | $387 | — | $387 | 1.95% |
| KYLAS INSURANCE & FINANCIAL SERVICE3 | 21515 HAWTHORNE BOULEVARD SUITE 1059 TORRANCE, CA 90503 | METROPOLITAN LIFE INSURANCE COMPANY | $387 | — | $387 | 1.95% |
| MARC JACOBSON3 | 425 HUEHL ROAD BUILDING 16B NORTHBROOK, FL 60062 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $150 | $2K | 10.75% |
| KYLAS INSURANCE & FINANCIAL SERVICE3 | 21515 HAWTHORNE BOULEVARD SUITE 1059 TORRANCE, CA 90503 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.87% |
| MARC JACOBSON3 Filed as: MARC J JACOBSON | 425 HUEHL ROAD BUILDING 16B NORTHBROOK, IL 60062 | HYATT LEGAL PLANS | $1K | — | $1K | 10.15% |
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 | 326 | 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) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 227 | $1.2M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 227 | $1.2M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 227 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 522 | $44K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 37 | $20K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 522 | $44K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 522 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.