| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $3K | — | $3K | 9.92% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES, INC | 2111 EAST HIGHLAND AVENUE PHOENIX, AZ 85016 | HCC LIFE INSURANCE COMPANY | $1K | — | $1K | 5.28% |
| CLICK2BIND INSURANCE SERVICES INC3 Filed as: CLICK2BIND INSURANCE SERVICES, INC | 4540 KEARNY VILLA RD STE 112 SAN DIEGO, CA 92123 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 13.11% |
| AMIR LOZANI3 | 810 W PENNSYLVANIA AVE. SAN DIEGO, CA 92103 | MCS LIFE INSURANCE COMPANY | $180 | — | $180 | 4.95% |
| CLICK2BIND INSURANCE SERVICES INC3 Filed as: CLICK2BIND | 4540 KEARNY VILLA RD STE 112 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | $2 | — | $2 | 0.14% |
| CLICK2BIND INSURANCE SERVICES INC3 | 4540 KEARNY VILLA RD STE 112 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | $6 | — | $6 | 0.45% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $1 | — | $1 | 0.08% |
| CLICK2BIND INSURANCE SERVICES INC3 | 4540 KEARNY VILLA RD STE 112 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | $236 | — | $236 | 22.89% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $59 | $6 | $65 | 6.30% |
| CLICK2BIND INSURANCE SERVICES INC3 | 4540 KEARNY VILLA RD STE 112 SAN DIEGO, CA 92123 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $3 | — | $3 | 0.70% |
| 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 | $1 | — | $1 | 0.23% |
| CLICK2BIND INSURANCE SERVICES INC3 | 4540 KEARNY VILLA RD STE 112 SAN DIEGO, CA 92123 | METROPLITAN LIFE INSURANCE COMPANY | $130 | — | $130 | — |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | METROPLITAN LIFE INSURANCE COMPANY | $24 | — | $24 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $12K |
| CLICK2BIND INSURANCE SERVICES INC BROKER | Other commissions Service code 55 | 4540 KEAMY VILLA ROAD SUITE 112 SAN DIEGO, CA 92123 | $6K |
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 | 286 | 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) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 121 | $22K |
| Dental(2 contracts, 2 carriers) | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | 427 | $427 |
| Vision | METROPLITAN LIFE INSURANCE COMPANY | 427 | $0 |
| Life insurance | METROPLITAN LIFE INSURANCE COMPANY | 427 | $0 |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $32K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $32K |
| Prescription drug | MCS LIFE INSURANCE COMPANY | 10 | $4K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 175 | $28K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 427 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.
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.