| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNITED AMG PARTNERS INS. SERVICES3 | 18101 VON KARMAN AVENUE, 3RD FLOOR IRVINE, CA 92612 | BLUE CROSS OF CALIFORNIA | $32K | $0 | $32K | 2.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 7910 NORTH INGRAM FRESNO, CA 93711 | BLUE CROSS OF CALIFORNIA | $20K | $0 | $20K | 1.82% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS. | 21650 OXNARD STREET, SUITE 200 WOODLAND HILL, CA 91367 | BLUE CROSS OF CALIFORNIA | $1K | $0 | $1K | 0.11% |
| UNITED AMG PARTNERS INS. SERVICES3 | 18101 VON KARMAN AVENUE, 3RD FLOOR IRVINE, CA 92612 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $929 | $8K | 9.03% |
| GEORGE MIHOV3 | 18810 ROXBURY LANE HUNTINGTON BEACH, CA 92648 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $536 | $4K | 4.31% |
| LEIA DHANAIR LYNCH3 Filed as: LEIA DHANAIR LYNCH AND OTHER AGENTS | 5331 CORTEEN PLACE VALLEY VILLAGE, CA 91607 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $218 | $3K | 2.92% |
| MARIANNA REBECCA WEAVER3 | 20092 CHAMPLAIN LAKE FOREST, CA 92630 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $109 | $2K | 2.63% |
| THOMAS MARTIN LEVINSTEIN3 | 16 PHEASANT LANE ALISO VIEJO, CA 92656 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $141 | $2K | 1.97% |
| MARIA YVONNE RODIGHIERO3 | 28502 SHRIKE DRIVE LAGUNA NIGUEL, CA 92677 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $90 | $2K | 1.61% |
| WILLIAM DOUGLAS DEACON3 | 5391 VANGUARD AVENUE GARDEN GROVE, CA 92845 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $10 | $1K | 1.23% |
| UNITED AMG PARTNERS INS. SERVICES3 | 2600 MICHELSON DRIVE, SUITE 1700 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $618 | $0 | $618 | 9.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $326 | $54 | $380 | 5.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | METROPOLITAN LIFE INSURANCE COMPANY | $315 | $0 | $315 | 4.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $27 | $27 | 0.42% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 238 | $1.1M |
| Dental | BLUE CROSS OF CALIFORNIA | 238 | $1.1M |
| Vision | BLUE CROSS OF CALIFORNIA | 238 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 238 | $1.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 10 | $6K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 238 | $1.1M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 238 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.