| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | PO BOX 85638 MINNEAPOLIS, MN 55402 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $212 | $212 | 0.01% |
| DEVAN L BERRY3 Filed as: DEVAN L. BERRY | 2955 COWLEY WAY #98 SAN DIEGO, CA 92117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 8.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | LOCKBOX 740663 LOS ANGELES, CA 90074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 6.15% |
| PAUL J LANGAS3 Filed as: PAUL J. LANGAS | 300 W 8TH STREET VANCOUVER, WA 98660 | CONTINENTAL AMERICAN INSURANCE COMPANY | $834 | — | $834 | 3.69% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 5285 SW MEADOWS ROAD LAKE OSWEGO, OR 97035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $826 | — | $826 | 3.66% |
| CK GOHL INSURANCE SOLUTIONS3 | 6306 LUSK BLVD SAN DIEGO, CA 91942 | CONTINENTAL AMERICAN INSURANCE COMPANY | $266 | — | $266 | 1.18% |
| MARK HABER & ASSOC INC3 Filed as: MARK HABER & ASSOCIATES, INC. | 9370 SKY PARK COURT SAN DIEGO, CA 92123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $238 | — | $238 | 1.05% |
| GARRETT L SMITH3 Filed as: GARRETT L. SMITH | 5050 MURPHY CANYON ROAD SAN DIEGO, CA 92123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $149 | — | $149 | 0.66% |
| DEREK SOMMERS3 Filed as: DEREK W. SOMMERS | 518 N 39TH PLACE RIDGEFIELD, WA 98642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | — | $108 | 0.48% |
| SHANNON J. JOHNSON MAYES3 | 148 HOOKS DRIVE MOUNT AIRY, NC 27030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.29% |
| JORDREW INS SOLUTIONS INC3 Filed as: JORDREW INS SOLUTIONS, INC. | 5308 CORTE PLAYA JACINTO SAN DIEGO, CA 92124 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.27% |
| CHARLES BRITT BERRIER JR3 Filed as: CHARLES B. BERRIER, JR. | 640 CEDAR LANE CANA, VA 24317 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH STREET STE. 700 MINNEAPOLIS, MN 55402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 644 | $2.7M |
| Dental(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 309 | $299K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 644 | $2.2M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 361 | $68K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 279 | $40K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 345 | $19K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 644 | $2.7M |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 361 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 644 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.