| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GENE HEINO INC.3 | 2552 WALNUT AVENUE, SUITE 140 TUSTIN, CA 92780 | BLUE SHIELD OF CALIFORNIA | $49K | $0 | $49K | 4.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS. ADMINISTRATORS | 701 S PARKER ST, 8TH FL ORANGE, CA 92868 | BLUE SHIELD OF CALIFORNIA | $21K | $0 | $21K | 1.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR., STE 100 SAN DIEGO, CA 92122 | BLUE SHIELD OF CALIFORNIA | $10K | $0 | $10K | 0.91% |
| GENE HEINO INC.3 | 2552 WALNUT AVENUE, SUITE 140 TUSTIN, CA 92780 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $451 | $0 | $451 | 8.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR., STE 100 SAN DIEGO, CA 92122 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $84 | $0 | $84 | 1.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS. ADMINISTRATORS | 701 S PARKER ST, 8TH FL ORANGE, CA 92868 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $84 | $0 | $84 | 1.57% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 111 | $1.1M |
| Dental | BLUE SHIELD OF CALIFORNIA | 111 | $1.1M |
| Vision | BLUE SHIELD OF CALIFORNIA | 111 | $1.1M |
| Life insurance | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | 157 | $5K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 111 | $1.1M |
| Other | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | 157 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.