| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: MORRIS & GARRITANO INS AGENCY | PO DRAWER 1189 SUITE 200 SAN LUIS OBISPO, CA 93406 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $52K | — | $52K | 2.89% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | -$293 | $4K | $4K | 0.22% |
| FARMERS INSURANCE GROUP3 | 4750 WILSHIRE BLVD LOS ANGELES, CA 90010 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $25 | $25 | 0.00% |
| ASSUREDPARTNERS3 Filed as: MORRIS & GARRITANO INS AGENCY | PO DRAWER 1189 SAN LUIS OBISPO, CA 93406 | DELTA DENTAL OF WASHINGTON | $6K | — | $6K | 3.73% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SERVICES OF CA, INC | 1277 TREAT BLVD SUITE 400 WALNUT CREEK, CA 94597 | DELTA DENTAL OF WASHINGTON | $2K | — | $2K | 1.27% |
| ASSUREDPARTNERS3 Filed as: MORRIS & GARRITANO INS AGENCY | PO BOX 1189 SAN LUIS OBISPO, CA 93406 | VISION SERVICE PLAN | $1K | — | $1K | 1.94% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | VISION SERVICE PLAN | $690 | — | $690 | 1.16% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SERVICES OF CA, INC | 1277 TREAT BLVD SUITE 400 WALNUT CREEK, CA 94597 | VISION SERVICE PLAN | $161 | — | $161 | 0.27% |
| ASSUREDPARTNERS3 Filed as: MORRIS & GARRITANO INSURANCE AGENCY | PO BOX 1189 SAN LUIS OBISPO, CA 93406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $65 | $3K | 13.76% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | STE 400 1277 TREAT BLVD WALNUT CREEK, CA 94597 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $302 | — | $302 | 1.58% |
| STEVEN RAY GRIFFIN3 | STE 1400 2000 MORRIS AVE BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $706 | — | $706 | 5.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 511398 LOS ANGELES, CA 90051 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $304 | — | $304 | 2.16% |
| GRIFFIN, STEVEN, RAY3 | STE 1400 2000 MORRIS AVE BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $422 | — | $422 | 3.36% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 511398 LOS ANGELES, CA 90051 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $403 | — | $403 | 3.21% |
| ASSUREDPARTNERS3 Filed as: MORRIS & GARRITANO INSURANCE AGENCY | PO BOX 1189 SAN LUIS OBISPO, CA 93406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $821 | $22 | $843 | 13.92% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | STE 400 1277 TREAT BLVD WALNUT CREEK, CA 94597 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $88 | — | $88 | 1.45% |
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 | 408 | 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) | 408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 571 | $1.8M |
| Dental | DELTA DENTAL OF WASHINGTON | 543 | $155K |
| Vision | VISION SERVICE PLAN | 325 | $60K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $32K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 79 | $6K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 571 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.