| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | CALIFORNIACHOICE | $45K | — | $45K | 6.50% |
| LEAVITT GROUP3 | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 85638 SAN DIEGO, CA 92186 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38 | $38 | 0.03% |
| NAC INSURANCE ADMINISTRATION CORPOR3 Filed as: NAC INSURANCE ADMINISTRATION CORP. | 1500 41ST AVENUE, SUITE 280 CAPITOLA, CA 95010 | METROPOLITAN LIFE INSURANCE COMPANY | $26 | — | $26 | 0.02% |
| LEAVITT GROUP3 | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.13% |
| JULIA E WILLIAMS3 Filed as: JULIA E. WILLIAMS | 23413 OAKLEY PLACE RAMONA, CA 92065 | AFLAC | $848 | $130 | $978 | 7.64% |
| CK GOHL INSURANCE SOLUTIONS3 | 5050 MURPHY CANYON ROAD, SUITE 150 SAN DIEGO, CA 92123 | AFLAC | $446 | $26 | $472 | 3.69% |
| CAELUM INC3 Filed as: CAELUM, INC. | 13122 MESA CREST PLACE SAN DIEGO, CA 92129 | AFLAC | $155 | — | $155 | 1.21% |
| MARK HABER & ASSOC INC3 Filed as: MARK HABER AND ASSOCIATES, INC. | 5050 MURPHY CANYON ROAD, SUITE 150 SAN DIEGO, CA 92123 | AFLAC | $65 | $26 | $91 | 0.71% |
| STEVE HEROUX ENTERPRISES3 Filed as: STEVE HEROUX ENT. AND OTHER AGENTS | 8583 AERO DRIVE APARTMENT 3023 SAN DIEGO, CA 92123 | AFLAC | $50 | — | $50 | 0.39% |
| LEAVITT GROUP3 | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | AFLAC | $45 | — | $45 | 0.35% |
| ANDREW R GRETHEL3 Filed as: ANDREW R. GRETHEL | 600 SOUTH HIDDEN VALLEY ROAD SUITE 150 CARLSBAD, CA 92011 | AFLAC | $43 | — | $43 | 0.34% |
| LEAVITT GROUP3 | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | VISION SERVICE PLAN | $752 | — | $752 | 7.76% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIACHOICE | 80 | $705K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $121K |
| Vision | VISION SERVICE PLAN | 79 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $13K |
| Prescription drug | CALIFORNIACHOICE | 80 | $692K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.