| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | BLUE CROSS OF CALIFORNIA | $45K | — | $45K | 2.84% |
| 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 | $26K | — | $26K | 1.64% |
| WELL-PRO INSURANCE SOLUTIONS INC.3 | 9155 ARCHIBALD AVE., SUITE H RANCHO CUCAMONGA, CA 91730 | BLUE CROSS OF CALIFORNIA | $26K | — | $26K | 1.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN INC. | $17K | — | $17K | 2.88% |
| 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. | $10K | — | $10K | 1.71% |
| WELL-PRO INSURANCE SOLUTIONS INC.3 | 756 S. WALNUT AVE. SAN DIMAS, CA 91773 | KAISER FOUNDATION HEALTH PLAN INC. | $8K | — | $8K | 1.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN INC. | $8K | — | $8K | 3.00% |
| 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. | $3K | — | $3K | 1.20% |
| WELL-PRO INSURANCE SOLUTIONS INC.3 | 756 S. WALNUT AVE. SAN DIMAS, CA 91773 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | — | $3K | 1.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | ANTHEM LIFE INSURANCE COMPANY | $834 | — | $834 | 2.84% |
| 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 | $480 | — | $480 | 1.64% |
| WELL-PRO INSURANCE SOLUTIONS INC.3 | 9155 ARCHIBALD AVE., SUITE H RANCHO CUCAMONGA, CA 91730 | ANTHEM LIFE INSURANCE COMPANY | $480 | — | $480 | 1.64% |
| 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 | $475 | — | $475 | 2.04% |
| WELL-PRO INSURANCE SOLUTIONS INC.3 | 9155 ARCHIBALD AVE., SUITE H RANCHO CUCAMONGA, CA 91730 | VISION SERVICE PLAN | $408 | — | $408 | 1.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | VISION SERVICE PLAN | $389 | — | $389 | 1.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $581 | — | $581 | 2.84% |
| 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 | $335 | — | $335 | 1.64% |
| WELL-PRO INSURANCE SOLUTIONS INC.3 | 9155 ARCHIBALD AVE., SUITE H RANCHO CUCAMONGA, CA 91730 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $335 | — | $335 | 1.64% |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 130 | $2.5M |
| Vision | VISION SERVICE PLAN | 187 | $23K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 212 | $20K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 197 | $29K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 130 | $2.5M |
| Other | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 212 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.