| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JWC INSURANCE3 Filed as: JWC INSURANCE SERVICES, INC. | 22921 TRITON WAY SUITE 231 LAGUNA HILLS, CA 92653 | ANTHEM BLUE CROSS OF CALIFORNIA | $31K | — | $31K | 4.89% |
| JWC INSURANCE3 | 22921 TRITON WAY SUITE 231 LAGUNA HILLS, CA 92653 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 9.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE | 721 SOUTH PARKER SUITE 300 ORANGE, CA 92668 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 3.97% |
| LBL INSURANCE SERVICES INC3 | 3631 SOUTH HARBOR BLVD SUITE 200 SANTA ANA, CA 92704 | METROPOLITAN LIFE INSURANCE COMPANY | $955 | — | $955 | 5.93% |
| JWC INSURANCE3 Filed as: JWC INSURANCE SERVICES, INC | 22921 TRITON WAY SUITE 231 LAGUNA HILLS, CA 92653 | METROPOLITAN LIFE INSURANCE COMPANY | $486 | — | $486 | 3.02% |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS OF CALIFORNIA | 106 | $635K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 314 | $95K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $16K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $16K |
| Prescription drug | ANTHEM BLUE CROSS OF CALIFORNIA | 106 | $635K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.