| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN. INC. | 721 PARKER STREET, SUITE 200 ORANGE, CA 92868 | BLUE CROSS OF CALIFORNIA | $45K | — | $45K | 2.59% |
| WELL-PRO INSURANCE SOLUTIONS INC.3 | 9155 ARCHIBALD AVE., SUITE H RANCHO CUCAMONGA, CA 91730 | BLUE CROSS OF CALIFORNIA | $45K | — | $45K | 2.59% |
| MELITA-MCDONALD INSURANCE SERVICES3 | 1885 DE LA CRUZ BLVD, STE 201 SANTA CLARA, CA 95050 | BLUE CROSS OF CALIFORNIA | -$85 | — | -$85 | -0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN. INC. | 721 PARKER STREET, SUITE 200 ORANGE, CA 92868 | KAISER FOUNDATION HEALTH PLAN INC. | $15K | — | $15K | 2.28% |
| WELL-PRO INSURANCE SOLUTIONS INC.3 | 756 S. WALNUT AVE. SAN DIMAS, CA 91773 | KAISER FOUNDATION HEALTH PLAN INC. | $15K | — | $15K | 2.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN. INC. | 721 PARKER STREET, SUITE 200 ORANGE, CA 92868 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | — | $6K | 2.31% |
| WELL-PRO INSURANCE SOLUTIONS INC.3 | 756 S. WALNUT AVE. SAN DIMAS, CA 91773 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | — | $6K | 2.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN. INC. | 721 PARKER STREET, SUITE 200 ORANGE, CA 92868 | ANTHEM LIFE INSURANCE COMPANY | $791 | — | $791 | 2.59% |
| WELL-PRO INSURANCE SOLUTIONS INC.3 | 9155 ARCHIBALD AVE., SUITE H RANCHO CUCAMONGA, CA 91730 | ANTHEM LIFE INSURANCE COMPANY | $791 | — | $791 | 2.59% |
| MELITA-MCDONALD INSURANCE SERVICES3 | 1885 DE LA CRUZ BLVD, STE 201 SANTA CLARA, CA 95050 | ANTHEM LIFE INSURANCE COMPANY | -$2 | — | -$2 | -0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN. INC. | 721 PARKER STREET, SUITE 300 ORANGE, CA 92868 | VISION SERVICE PLAN | $623 | — | $623 | 2.52% |
| WELL-PRO INSURANCE SOLUTIONS INC.3 | 9155 ARCHIBALD AVE., SUITE H RANCHO CUCAMONGA, CA 91730 | VISION SERVICE PLAN | $623 | — | $623 | 2.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN. INC. | 721 S. PARKER STREET, SUITE 200 ORANGE, CA 92868 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $552 | — | $552 | 2.59% |
| WELL-PRO INSURANCE SOLUTIONS INC.3 | 9155 ARCHIBALD AVE., SUITE H RANCHO CUCAMONGA, CA 91730 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $552 | — | $552 | 2.59% |
| MELITA-MCDONALD INSURANCE SERVICES3 | 1885 DE LA CRUZ BLVD, STE 201 SANTA CLARA, CA 95050 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 144 | $2.6M |
| Vision | VISION SERVICE PLAN | 198 | $25K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 215 | $21K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 215 | $30K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 144 | $2.6M |
| Other | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 215 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.