| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INSURANCE SVC | 950 E BLANCO RD SALINAS, CA 93901 | AETNA HEALTH, INC. | $54K | — | $54K | 3.99% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA HEALTH, INC. | $14K | — | $14K | 1.00% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INSURANCE SVC | 950 E BLANCO RD STE 103 SALINAS, CA 93901 | KAISER FOUNDATION HEALTH PLAN INC | $62K | — | $62K | 4.99% |
| AMWINS3 Filed as: LISI, INC. (GA) | 1600 W HILLSDALE BLVD SUITE 201 SAN MATEO, CA 94402 | KAISER FOUNDATION HEALTH PLAN INC | $25K | — | $25K | 2.00% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INSURANCE SVC | 950 E BLANCO RD STE 103 SALINAS, CA 93901 | PREMIER ACCESS INSURANCE COMPANY | $11K | — | $11K | 3.09% |
| AMWINS3 Filed as: LISI, INC. | 1600 W HILLSDALE BLVD SUITE 201 SAN MATEO, CA 94402 | PREMIER ACCESS INSURANCE COMPANY | $6K | — | $6K | 1.66% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INSURANCE SVC | 950 E BLANCO RD SALINAS, CA 93901 | AETNA LIFE INSURANCE CO. | $9K | — | $9K | 3.63% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 0.91% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INSURANCE SVC | 950 E BLANCO RD STE 103 SALINAS, CA 93901 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 8.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 4204 RIVERWALK PKWY STE 400 RIVERSIDE, CA 92505 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 4204 RIVERWALK PKWY STE 400 RIVERSIDE, CA 92505 | LANDMARK HEALTHPLAN | $548 | — | $548 | 9.99% |
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 | 356 | 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) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 315 | $2.9M |
| Dental(2 contracts, 2 carriers) | PREMIER ACCESS INSURANCE COMPANY | 288 | $348K |
| Vision(2 contracts, 2 carriers) | PREMIER ACCESS INSURANCE COMPANY | 288 | $348K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 356 | $93K |
| Short-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 356 | $93K |
| Long-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 356 | $93K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 227 | $1.2M |
| Other(5 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 356 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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.