| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPERTQUOTE, INC.3 | 1901 CONCOURSE DRIVE SAN JOSE, CA 95131 | CALIFORNIACHOICE | $43K | $0 | $43K | 5.00% |
| AMWINS3 Filed as: AMWINS CONNECT INS. SVCS. LLC | UNKNOWN SAN JOSE, CA 95134 | CALIFORNIACHOICE | $23K | $0 | $23K | 2.66% |
| EXPERTQUOTE, INC.3 | 1901 CONCOURSE DRIVE SAN JOSE, CA 95131 | CHOICEBUILDER | $9K | $0 | $9K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | UNKNOWN SAN JOSE, CA 95134 | CHOICEBUILDER | $2K | $0 | $2K | 2.62% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIACHOICE | 114 | $867K |
| Dental | CHOICEBUILDER | 132 | $89K |
| Vision | CHOICEBUILDER | 132 | $89K |
| Prescription drug | CALIFORNIACHOICE | 114 | $867K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.