| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, SUITE 200 REDWOOD CITY, CA 94065 | HCC LIFE INSURANCE COMPANY | $93K | $0 | $93K | 9.98% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, SUITE 200 REDWOOD CITY, CA 94065 | KAISER PERMANENTE | $17K | $0 | $17K | 4.97% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, SUITE 200 REDWOOD CITY, CA 94065 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.13% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 2734 NORTH MILDRED AVENUE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $184 | $184 | 0.18% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, SUITE 200 REDWOOD CITY, CA 94065 | HUMANA INSURANCE COMPANY | $10K | $0 | $10K | 9.48% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, SUITE 200 REDWOOD CITY, CA 94065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 10.00% |
| LONG TERM CARE SOLUTIONS, INC.3 Filed as: LONG TERM CARE SOLUTIONS INC | 14715 NE 95TH ST SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 10.00% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, SUITE 200 REDWOOD CITY, CA 94065 | VISION SERVICE PLAN | $832 | $0 | $832 | 6.77% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $62 | $0 | $62 | 0.50% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, SUITE 200 REDWOOD CITY, CA 94065 | HUMANADENTAL INSURANCE COMPANY | $96 | $0 | $96 | 9.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 PPO NETWORK PROVIDER | Other services Service code 49 | — | $45K |
| JOHNSON & DUGAN INSURANCE SERVICES EIN 94-2917627 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $14K |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 79 | $1.3M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 87 | $101K |
| Vision | VISION SERVICE PLAN | 72 | $12K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $105K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $105K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $105K |
| Prescription drug | KAISER PERMANENTE | 36 | $339K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 79 | $933K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.