| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: MORRIS & GARRITANO INSURANCE AGENCY | 1122 LAUREL LANE SAN LUIS OBISPO, OH 93401 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $4K | $9K | 16.24% |
| AMWINS3 Filed as: AMWINS CONNECT INS. SERVICES, LLC | 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, OH 92705 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.42% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, INC. | 2 ENTERPRISE DRIVE, SUITE 204 SHELTON, OH 06484 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.08% |
| MARSHBERRY CONNECT PLATFORM LLC3 Filed as: MARSHBERRY CONNECT PLATFORM, LLC | 28601 CHAGRIN BOULEVARD, SUITE 400 WOODMERE, OH 44122 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.45% |
| BB&H BENEFIT DESIGNS3 Filed as: BB & H BENEFIT DESIGNS | 109 EAST VICTORIA STREET SANTA BARBARA, OH 93101 | PRINCIPAL LIFE INSURANCE COMPANY | $485 | $0 | $485 | 0.83% |
| ASSUREDPARTNERS3 Filed as: MORRIS & GARRITANO INSURANCE AGENCY | PO BOX 1189 SAN LUIS OBISPO, CA 93406 | KAISER FOUNDATION HEALTH PLAN, INC. | $667 | $119 | $786 | 4.19% |
| AMWINS3 Filed as: AMWINS CONNECT INS. SERVICES, LLC | 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | KAISER FOUNDATION HEALTH PLAN, INC. | $226 | $0 | $226 | 1.20% |
| ASSUREDPARTNERS3 Filed as: MORRIS & GARRITANO INSURANCE AGENCY | PO BOX 1189 SAN LUIS OBISPO, CA 93406 | BLUE CROSS OF CALIFORNIA | $2K | $0 | $2K | 106.49% |
| AMWINS3 Filed as: AMWINS CONNECT INS. SERVICES, LLC | 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | BLUE CROSS OF CALIFORNIA | $0 | $821 | $821 | 40.07% |
| BB&H BENEFIT DESIGNS3 Filed as: BB & H BENEFIT DESIGNS | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | BLUE CROSS OF CALIFORNIA | $183 | $0 | $183 | 8.93% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 104 | $21K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 123 | $58K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 123 | $58K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 123 | $58K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 123 | $58K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 104 | $21K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 123 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
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.