| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JERRY VANNESS3 | 11 NORTH COLUMBIA STREET NAPERVILLE, IL 60540 | BLUE CROSS OF CALIFORNIA | $29K | — | $29K | 4.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMINISTRATO | 721 SOUTH PARKER STREET ORANGE, CA 92868 | BLUE CROSS OF CALIFORNIA | — | $16K | $16K | 2.56% |
| JERRY W VAN NESS3 | 11 NORTH COLUMBIA STREET NAPERVILLE, IL 60540 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $9K | — | $9K | 5.48% |
| JERRY W VAN NESS3 | 11 NORTH COLUMBIA STREET NAPERVILLE, IL 60540 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $5K | — | $5K | 5.53% |
| JERRY W VAN NESS3 Filed as: JERRY VAN NESS | 11 NORTH COLUMBIA STREET NAPERVILLE, IL 60540 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 8.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMIN | 721 SOUTH PARKER STREET SUITE 200 ORANGE, CA 92868 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $252 | $4K | 4.32% |
| JERRY W VAN NESS3 | 11 NORTH COLUMBIA STREET NAPERVILLE, IL 60540 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | — | $2K | 5.03% |
| JERRY WILLIAMS VAN NESS3 | 11 NORTH COLUMBIA STREET NAPERVILLE, IL 60540 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.74% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.00% |
| BRANDON PENKO3 Filed as: BRANDON T PENKO | — | COMBINED INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 49.07% |
| JERRY W VAN NESS3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.98% |
| BRANDON PENKO3 | — | COMBINED INSURANCE | $8K | — | $8K | 62.13% |
| JERRY DUNCAN3 Filed as: JERRY VAN NESS JR | — | COMBINED INSURANCE | $3K | — | $3K | 26.63% |
| JERRY W VAN NESS3 Filed as: JERRY VAN NESS | 11 NORTH COLUMBIA STREET NAPERVILLE, IL 60540 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $462 | — | $462 | 9.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMIN | 721 SOUTH PARKER STREET SUITE 200 ORANGE, CA 92868 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $231 | $17 | $248 | 4.88% |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 45 | $949K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 293 | $94K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 293 | $89K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $55K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $43K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.