| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INSURANCE | 950 EAST BLANCO ROAD SALINAS, CA 93901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.95% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS SVCS INC | 950 E BLANCO RD STE 103 SALINAS, CA 93901 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $561 | $2K | 11.60% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $341 | — | $341 | 2.48% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS | 950 EAST BLANCO ROAD #10 SALINAS, CA 93901 | LIFE INSURNACE COMPANY OF NORTH AMERICA | $924 | — | $924 | 9.67% |
| TRUENORTH COMPANIES LC3 | 6800 LAKE DRIVE SUITE 250 WEST DES MOINES, IA 50266 | LIFE INSURNACE COMPANY OF NORTH AMERICA | $148 | — | $148 | 1.55% |
| CATHERINE LISA LUKE3 | 4787 W HACIENDA AVE CAMPBELL, CA 95008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $5 | $2K | 21.99% |
| THOMAS MARTIN LEVINSTEIN3 | 16 PHEASANT LANE ALISO VIEJO, CA 92656 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $611 | — | $611 | 6.82% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INSURANCE SER | 950 EAST BLANCO RD STE 103 SALINAS, CA 93901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $555 | — | $555 | 6.20% |
| MARK TETSUO IWASAKI3 | 133 CRABAPPLE CT HERCULES, CA 94547 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $419 | — | $419 | 4.68% |
| MICHAEL JAMES LEBRANE3 | 808 EAST 5TH AVE SAN MATEO, CA 94402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $2 | $48 | 0.54% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INSURANCE SER | 950 E BLANCO RD SALINAS, CA 93901 | MANAGED HEALTH NETWORK | $204 | — | $204 | 4.60% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 11 | $9K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $60K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $60K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $14K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 11 | $9K |
| Long-term disability | LIFE INSURNACE COMPANY OF NORTH AMERICA | 6 | $10K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.