| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLEVIDENCE INSURANCE SERVICES INC3 Filed as: CLEVIDENCE INSURANCE SERVICES, INC. | 3000 W MACARTHUR BLVD SUITE 320 SANTA ANA, CA 92704 | NIPPON LIFE BENEFITS | $31K | — | $31K | 2.99% |
| NARVER ASSOCIATES INC.3 | 641 W LAS TUNAS DR SAN GABRIEL, CA 91776 | NIPPON LIFE BENEFITS | $27K | — | $27K | 2.55% |
| BROWN AND BROWN OF FLORIDA, INC.5 Filed as: WARNER & BROWN INS. ADMIN | 721 S PARKER ST STE 40 ORANGE, CA 92868 | NIPPON LIFE BENEFITS | $11K | — | $11K | 1.01% |
| CLEVIDENCE INSURANCE SERVICES INC3 Filed as: CLEVIDENCE INSURANCE SERVICES, INC. | 3000 W MACARTHUR BLVD SUITE 320 SANTA ANA, CA 92704 | AETNA LIFE INSURANCE CO. | $9K | $398 | $9K | 9.54% |
| BROWN AND BROWN OF FLORIDA, INC.5 Filed as: WORD & BROWN INS. ADMIN INC | 721 S PARKER STE 300 ORANGE, CA 92868 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 1.66% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NIPPON LIFE BENEFITS | 187 | $1.0M |
| Dental | AETNA LIFE INSURANCE CO. | 187 | $96K |
| Life insurance | NIPPON LIFE BENEFITS | 187 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.