| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RITA PATEL INSURANCE SERVICES LLC3 | 31878 DEL OBISPOS ST SUITE 118-290 SAN JUAN CAPISTRANO, CA 92675 | BLUE CROSS OF CALIFORNIA | — | $70K | $70K | 8.12% |
| RITA PATEL INSURANCE SERVICES LLC3 Filed as: RITA PATEL INSURANCES LLC | 31878 DEL OBISPO ST STE 118-290 SAN JUAN CAPISTRANO, CA 926753223 | KAISER FOUNDATION HEALTH PLAN INC | $24K | — | $24K | 5.05% |
| RITA PATEL INSURANCE SERVICES LLC3 | 31878 DEL OBISPO STREET SUITE 118-290 SAN JUAN CAPISTRANO, CA 92675 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $11K | — | $11K | 5.07% |
| RITA PATEL INSURANCE SERVICES LLC Filed as: RITA PATEL INSURANCE SERVICES | 1220 ROSECRANS ST STE 820 SAN DIEGO, CA 92106 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE | $14K | — | $14K | 10.00% |
| RITA PATEL INSURANCE SERVICES LLC3 | 31878 DEL OBISPO ST STE 118-290 SAN JUAN CAPISTRANO, CA 926753223 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 3.25% |
| RITA PATEL INS SVCS LLC Filed as: RITA PATEL INSURANCE | 1220 ROSECRANS STE 820 SAN DIEGO, CA 92106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.38% |
| RITA PATEL INS SVCS LLC Filed as: RITA PATEL | 1220 ROSECRANS ST STE 820 SAN DIEGO, CA 92106 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 9.04% |
| BENEFIT COMMUNICATION SERVICES, INC Filed as: BENEFIT COMMUNICATION INC | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $201 | — | $201 | 1.53% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS INSURANCE SERVICES | PO BOX 101162 PASADENA, CA 91189 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $133 | — | $133 | 1.01% |
| MORRIS, CHRISTOPHER, ROBERT Filed as: MORRIS, CHRISTOPHER | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.17% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE SERVICES | 615 PIIKOI STREET SUITE 1901 HONOLULU, HI 96814 | UNIVERSITY HEALTH ALLIANCE | — | — | $0 | — |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 121 | $476K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 244 | $861K |
| Life insurance(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 244 | $1.0M |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 36 | $13K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.