| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS. SVCS. | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | UNITEDHEALTHCARE INSURANCE COMPANY | $62K | $0 | $62K | 5.00% |
| AMWINS3 Filed as: LISI, INC. | 1600 WEST HILLSDALE BOULEVARD SAN MATEO, CA 94402 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 1.00% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS. SVCS. | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | KAISER FOUNDATION HEALTH PLAN INC | $57K | $0 | $57K | 5.00% |
| AMWINS3 Filed as: LISI, INC. | 1600 WEST HILLSDALE BOULEVARD SAN MATEO, CA 94402 | KAISER FOUNDATION HEALTH PLAN INC | $23K | $0 | $23K | 2.00% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS. SVCS. | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | PREMIER ACCESS INSURANCE COMPANY | $9K | $0 | $9K | 3.27% |
| AMWINS3 Filed as: LISI, INC. | 1600 WEST HILLSDALE BOULEVARD SAN MATEO, CA 94402 | PREMIER ACCESS INSURANCE COMPANY | $601 | $0 | $601 | 0.21% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS. SVCS. | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 7.58% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS. SVCS. | 950 EAST BLACO ROAD, SUITE 103 SALINAS, CA 93901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.03% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS. SVCS. | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | LANDMARK HEALTHPLAN | $3K | $0 | $3K | 10.00% |
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 | 310 | 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) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 268 | $2.4M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 602 | $289K |
| Vision | PREMIER ACCESS INSURANCE COMPANY | 602 | $289K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 310 | $221K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 310 | $221K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 310 | $221K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 268 | $2.4M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 310 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 602 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.