| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 | 950 EAST BLANCO ROAD, SUITE 10 SALINAS, CA 93901 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 4.96% |
| LEAVITT GROUP3 | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| LEAVITT GROUP3 | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | VISION SERVICE PLAN | $1K | — | $1K | 5.82% |
| LEAVITT GROUP3 | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.48% |
| LEAVITT GROUP3 | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | MANAGED HEALTH NETWORK | $154 | — | $154 | 3.75% |
| LEAVITT GROUP3 | 1820 EAST FIRST STREET, SUITE 500 SANTA ANA, CA 92705 | MANAGED HEALTH NETWORK | $51 | — | $51 | 1.24% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 143 | $114K |
| Vision | VISION SERVICE PLAN | 152 | $18K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 174 | $13K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $21K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 174 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.