| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENECORE INSURANCE SOLUTIONS DBA BE3 | 5419 HOLLYWOOD BLVD., STE. C250 LOS ANGELES, CA 90027 | BLUE SHIELD OF CALIFORNIA CALIFORNIA PHYSICIANS' SERVICE | $45K | $0 | $45K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMINISTRATO | 701 S PARKER ST 8TH FL ORANGE, CA 92868 | BLUE SHIELD OF CALIFORNIA CALIFORNIA PHYSICIANS' SERVICE | $19K | $0 | $19K | 2.08% |
| REDMOND SHERWOOD3 | 500 WILSON PIKE CIR STE 216 BRENTWOOD, TN 37207 | STARMOUNT LIFE INSURANCE COMPANY | $10K | $0 | $10K | 9.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMINIS | 721 S PARKER ST STE 300 ORANGE, CA 92868 | STARMOUNT LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.20% |
| REDMOND SHERWOOD3 | 500 WILSON PIKE CIR STE 216 BRENTWOOD, TN 37207 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $454 | $0 | $454 | 9.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMINIS | 721 S PARKER ST STE 300 ORANGE, CA 92868 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $253 | $0 | $253 | 5.38% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA CALIFORNIA PHYSICIANS' SERVICE | 106 | $897K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 123 | $103K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 123 | $103K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $5K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.