No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MVI ADMINISTRATORS INC EIN 33-0393692 ADMINISTRATOR | Plan Administrator Service code 14 | 1011 CAMINO DEL RIO SOUTH STE 300 SAN DIEGO, CA 92108 | $151K |
| BARNEY & BARNEY EIN 95-2156846 BROKER | Insurance agents and brokers Service code 22 | PO BOX 85638 SAN DIEGO, CA 921865638 | $89K |
| MELISSA W. COOK & ASSOCIATES EIN 95-3245809 ATTORNEY | Legal Service code 29 | 3444 CAMINO DEL RIO NORTH SUITE 106 SAN DIEGO, CA 92108 | $37K |
| ALLEN LAWRENCE & ASSOCIATES, INC EIN 95-2774510 BROKER | Insurance agents and brokers Service code 22 | 7033 OWENSMOUTH AVE CANOGA PARK, CA 913032006 | $19K |
| LEAF & COLE, LLP EIN 95-2076568 AUDITOR | Accounting (including auditing) Service code 10 | 2810 CAMINO DEL RIO SOUTH SUITE 200 SAN DIEGO, CA 92108 | $15K |
| CAL-VALLEY INSURANCE SERVICES, INC EIN 77-0150866 BROKER | Insurance agents and brokers Service code 22 | 5070 N 6TH STE 155 FRESNO, CA 93710 | $12K |
| INTERWEST INSURANCE SERVICES, INC EIN 68-0266090 BROKER | Insurance agents and brokers Service code 22 | 3636 AMERICAN RIVER DR 2ND FLOOR SACRAMENTO, CA 95864 | $11K |
| CDS CORP DBA CDS INSURANCE SERVICES EIN 95-4448832 BROKER | Insurance agents and brokers Service code 22 | 2001 E FINANCIAL WY STE 200 GLENDORA, CA 91741 | $9K |
| SITZMANN & MORRIS INC INSURANCE EIN 94-2661412 BROKER | Insurance agents and brokers Service code 22 | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 945493745 | $7K |
| MICHAEL J MINNEY EIN 33-0801025 BROKER | Insurance agents and brokers Service code 22 | PO BOX 365 POWAY, CA 92074 | $5K |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 174 | $3.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 174 | $2.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 174 | $2.9M |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.