| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS SVCS INC. | 532 PAJARO STREET SALINAS, CA 93901 | BLUE CROSS OF CALIFORNIA | $86K | $0 | $86K | 4.61% |
| AMWINS3 Filed as: LISI INC | 1600 WEST HILLSDALE BOULEVARD SAN MATEO, CA 94402 | BLUE CROSS OF CALIFORNIA | $0 | $26K | $26K | 1.38% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS SVCS INC. | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | KAISER FOUNDATION HEALTH PLAN INC | $62K | $0 | $62K | 4.95% |
| AMWINS3 Filed as: LISI, INC. | 1600 WEST HILLSDALE BOULEVARD SUITE 201 SAN MATEO, CA 94402 | KAISER FOUNDATION HEALTH PLAN INC | $27K | $0 | $27K | 2.15% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS SVCS INC. | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | PREMIER ACCESS INSURANCE COMPANY | $11K | $0 | $11K | 3.09% |
| AMWINS3 Filed as: LISI INC | 1600 WEST HILLSDALE BOULEVARD SAN MATEO, CA 94402 | PREMIER ACCESS INSURANCE COMPANY | $6K | — | $6K | 1.65% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS SVCS INC. | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $0 | $25K | 7.74% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUIT 200 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $1K | $15K | 4.74% |
| EMPLOYEE CHOICE SOLUTIONS Filed as: EMPLOYEE CHOICE SOLUTIONS INS. AGCY | 216 WOUTH 200 WEST CEDAR CITY, UT 84720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $291 | $291 | 0.09% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUIT 200 IRVINE, CA 92614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $1K | $21K | 62.54% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS SVCS INC. | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 25.80% |
| EMPLOYEE CHOICE SOLUTIONS Filed as: EMPLOYEE CHOICE SOLUTIONS INS. AGCY | 216 WOUTH 200 WEST CEDAR CITY, UT 84720 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $287 | $287 | 0.85% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | LANDMARK HEALTHPLAN | $2K | $0 | $2K | 10.00% |
| JULIA E WILLIAMS3 | 23413 OAKLEY PLACE RAMONA, CA 92065 | AFLAC | $329 | $16 | $345 | 5.84% |
| CK GOHL INSURANCE SOLUTIONS3 | 4610 68TH STREET LA MESA, CA 91942 | AFLAC | $150 | $3 | $153 | 2.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 1150 GUSTINE STREET CHULA VISTA, CA 91913 | AFLAC | $81 | $0 | $81 | 1.37% |
| KRISTIN BEAN3 | 5058 HAWLEY BOULEVARD SAN DIEGO, CA 92116 | AFLAC | $65 | $0 | $65 | 1.10% |
| ANDREW R GRETHEL3 | 11739 HICKORY RUN COURT LOVELAND, OH 45140 | AFLAC | $37 | $0 | $37 | 0.63% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES DONALD SPROUSE | 4858 MERCURY STREET, SUITE 105 SAN DIEGO, CA 92111 | AFLAC | $18 | $0 | $18 | 0.30% |
| MARK HABER & ASSOC INC3 Filed as: MARK HALIM HABER AND OTHER AGENTS | 9370 SKY PARK COURT, SUITE 250 SAN DIEGO, CA 92123 | AFLAC | $9 | $3 | $12 | 0.20% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS SVCS INC | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | AFLAC | $11 | $0 | $11 | 0.19% |
| MJ INSURANCE3 Filed as: ROBERT C WAITE AND VARIOUS AGENTS | 1277 BREAKAWAY DRIVE OCEANSIDE, CA 92057 | AFLAC | $4 | $0 | $4 | 0.07% |
| JAMES J GRETHEL3 | 865 CEDAR DRIVE LOVELAND, OH 45140 | AFLAC | $1 | $0 | $1 | 0.02% |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 321 | $3.1M |
| Dental(2 contracts, 2 carriers) | PREMIER ACCESS INSURANCE COMPANY | 712 | $359K |
| Vision(2 contracts, 2 carriers) | PREMIER ACCESS INSURANCE COMPANY | 712 | $359K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 344 | $355K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 344 | $321K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 344 | $321K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 321 | $3.1M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 344 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 712 | — |
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.