| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLICK2BIND INSURANCE SERVICES INC3 | 4540 KEARNY VILLA RD STE 112 SAN DIEGO, CA 92123 | METROPLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 8.84% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | METROPLITAN LIFE INSURANCE COMPANY | $6K | $685 | $7K | 4.01% |
| LOZANI INSURANCE SERVICES3 | 4540 KEARNY VILLA RD STE 112 SAN DIEGO, CA 92123 | KAISER FOUNDATION HEALTH PLAN INC | $10K | — | $10K | 7.18% |
| LOZANI INSURANCE SERVICES3 Filed as: LOZANI INSURANCE SERVICES, INC | 4540 KEARNY VILLA ROAD STE 112 SAN DIEGO, CA 92123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 15.93% |
| AMIR LOZANI3 | 810 W PENNSYLVANIA AVE. SAN DIEGO, CA 92103 | HMAA HAWAII MEDICAL ASSURANCE ASSOCIATION | $574 | — | $574 | 2.87% |
| CLICK2BIND INSURANCE SERVICES INC3 Filed as: CLICK2BIND | 4540 KEARNY VILLA RD STE 112 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 18.23% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $562 | $45 | $607 | 4.92% |
| CLICK2BIND INSURANCE SERVICES INC3 | 4540 KEARNY VILLA RD STE 112 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 18.54% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $554 | $40 | $594 | 4.97% |
| CLICK2BIND INSURANCE SERVICES INC3 | 4540 KEARNY VILLA RD STE 112 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 21.80% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $531 | $33 | $564 | 5.79% |
| CLICK2BIND INSURANCE SERVICES INC3 | 4540 KEARNY VILLA RD STE 112 SAN DIEGO, CA 92123 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $501 | — | $501 | 9.31% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $251 | $27 | $278 | 5.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $144K |
| AMIR LOZANI BROKER | Other commissions Service code 55 | 4540 KEAMY VILLA ROAD SUITE 112 SAN DIEGO, CA 92123 | $45K |
| CLICK2BIND INSURANCE SERVICES INC BROKER | Other commissions Service code 55 | 4540 KEAMY VILLA ROAD SUITE 112 SAN DIEGO, CA 92123 | $23K |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 107 | $173K |
| Dental(2 contracts, 2 carriers) | METROPLITAN LIFE INSURANCE COMPANY | 389 | $176K |
| Vision | METROPLITAN LIFE INSURANCE COMPANY | 389 | $171K |
| Life insurance | METROPLITAN LIFE INSURANCE COMPANY | 389 | $171K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 70 | $69K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 70 | $69K |
| Prescription drug | HMAA HAWAII MEDICAL ASSURANCE ASSOCIATION | 3 | $20K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 165 | $475K |
| Other(4 contracts, 2 carriers) | METROPLITAN LIFE INSURANCE COMPANY | 389 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.