| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | KAISER FOUNDATION HEALTH PLAN INC | $30K | $0 | $30K | 5.00% |
| LEAVITT GROUP3 | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 5.99% |
| AMWINS3 Filed as: LISI INC | 1600 WEST HILLSDALE BOULEVARD SAN MATEO, CA 94402 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $250 | $2K | 2.07% |
| LEAVITT GROUP3 | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.42% |
| JULIA E WILLIAMS3 | 23413 OAKLEY PLACE RAMONA, CA 92065 | AFLAC | $2K | $0 | $2K | 9.17% |
| CK GOHL INSURANCE SOLUTIONS3 | 5050 MURPHY CANYON ROAD, SUITE 150 SAN DIEGO, CA 92123 | AFLAC | $741 | $0 | $741 | 3.92% |
| LEAVITT GROUP3 | 950 EAST BLANCO ROAD 103 SALINAS, CA 93901 | AFLAC | $587 | $0 | $587 | 3.11% |
| CK GOHL INSURANCE SOLUTIONS3 Filed as: CK GOHL INSURANCE SOLUTIONS AND VAR | 6305 LUSK BOULEVARD SAN DIEGO, CA 92121 | AFLAC | $225 | $0 | $225 | 1.19% |
| MARK HABER & ASSOC INC3 Filed as: MARK HAEBER & ASSOC INC | 9370 SKY PARK COURT, SUITE 250 SAN DIEGO, CA 92123 | AFLAC | $159 | $0 | $159 | 0.84% |
| MARK HABER & ASSOC INC3 | 5050 MURPHY CANYON ROAD, SUITE 150 SAN DIEGO, CA 92123 | AFLAC | $135 | $0 | $135 | 0.71% |
| CAELUM INC3 | 13122 MESA CREST PLACE SAN DIEGO, CA 92121 | AFLAC | $130 | $0 | $130 | 0.69% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INSURANCE | 950 EAST BLANCO ROAD SUITE 103 SALINAS, CA 93901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 11.51% |
| LEAVITT GROUP3 | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | VISION SERVICE PLAN | $829 | $0 | $829 | 7.14% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 143 | $710K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 309 | $112K |
| Vision | VISION SERVICE PLAN | 85 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $14K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 143 | $710K |
| Other(2 contracts, 2 carriers) | AFLAC | 106 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.