| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HINDS FINANCIAL GROUP, INC.3 Filed as: HINDS FINANCIAL GROUP INC. | PO BOX 155 PASO ROBLES, CA 93447 | BLUE CROSS OF CALIFORNIA | $20K | $0 | $20K | 1.85% |
| OSBORN INSURANCE SERVICES3 | 555 FRONTIER WAY TEMPLETON, CA 93465 | BLUE CROSS OF CALIFORNIA | $17K | $0 | $17K | 1.59% |
| AMWINS3 Filed as: LISI INC. | 1600 W HILLSDALE BLVD. SAN MATEO, CA 94403 | BLUE CROSS OF CALIFORNIA | $10K | $0 | $10K | 0.92% |
| ERIC S OSBORN3 | 16541 GOTHARD, #202 HUNTINGTON BEACH, CA 92647 | BLUE CROSS OF CALIFORNIA | $3K | $0 | $3K | 0.26% |
| HINDS FINANCIAL GROUP, INC.3 Filed as: HINDS FINANCIAL GROUP INC. | PO BOX 155 PASO ROBLES, CA 93447 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $5K | $0 | $5K | 4.72% |
| OSBORN INSURANCE SERVICES3 | 555 FRONTIER WAY TEMPLETON, CA 93465 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $5K | $0 | $5K | 4.06% |
| AMWINS3 Filed as: LISI INC | 1600 W HILLSDALE BLVD SAN MATEO, CA 94403 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $3K | $0 | $3K | 2.36% |
| ERIC S OSBORN3 | 16541 GOTHARD, #202 HUNTINGTON BEACH, CA 92647 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $751 | $0 | $751 | 0.66% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 268 | $1.1M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 234 | $114K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 234 | $114K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 234 | $114K |
| Other | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 234 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
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.