| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE WASHINGTON, PA 19034 | BLUE CROSS OF CALIFORNIA | $29K | — | $29K | 3.74% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | BLUE CROSS OF CALIFORNIA | — | $19K | $19K | 2.42% |
| TEMPLIN KACURA INSURANCE SERVICES3 | 1500 QUIAIL STREET, SUITE 570 NEWPORT BEACH, CA 92660 | BLUE CROSS OF CALIFORNIA | $9K | — | $9K | 1.18% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1500 QUAIL STREET, SUITE 570 NEWPORT BEACH, CA 92660 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | $3K | $18K | 15.79% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $665 | $6K | 5.25% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1500 QUAIL STREET, SUITE 570 NEWPORT BEACH, CA 92660 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 12.41% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.46% |
| MULROY INSURANCE AGENCY LLC3 | 1500 QUAIL STREET, SUITE 600 NEWPORT BEACH, CA 92660 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 22.21% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1500 QUAIL STREET, SUITE 570 NEWPORT BEACH, CA 92660 | CALIFORNIA DENTAL NETWORK, INC. | $915 | — | $915 | 10.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1500 QUAIL STREET, SUITE 570 NEWPORT BEACH, CA 92660 | CALIFORNIA DENTAL NETWORK, INC. | $460 | — | $460 | 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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 125 | $769K |
| Dental(4 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 202 | $225K |
| Vision(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 202 | $211K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 202 | $211K |
| Long-term disability | NORTHWESTERN MUTUAL | 210 | $28K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 125 | $769K |
| Other(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 202 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.