| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMORELLI ROSEMANN & ASSOCIATES3 Filed as: AMORELLI ROSEMANN & ASSOC INS SERV | 3110 E GUASTI ROAD STE 500 ONTARIO, CA 91761 | BLUE CROSS OF CALIFORNIA | $59K | $0 | $59K | 5.02% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 1600 W HILLSDALE BLVD. STE 201 SAN MATEO, CA 94403 | BLUE CROSS OF CALIFORNIA | $0 | $24K | $24K | 2.01% |
| AMORELLI ROSEMANN & ASSOCIATES3 | 3110 E. GUASTI RD. SUITE 500 ONTARIO, CA 91761 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 9.97% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N MAIN STREET STE 800 SANTA ANA, CA 92705 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.54% |
| AMORELLI ROSEMANN & ASSOCIATES3 | 3110 E GUASTI RD STE 500 ONTARIO, CA 91761 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $326 | $0 | $326 | 8.93% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N MAIN STREET STE 800 SANTA ANA, CA 92705 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $163 | $0 | $163 | 4.47% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 151 | $1.2M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 207 | $102K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 207 | $1.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 207 | $99K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 207 | $99K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 207 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.