| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLICK2BIND INSURANCE SERVICES INC3 | 5205 KEARNY VILLA WAY STE 102 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 11.06% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $178 | $6K | 2.96% |
| 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 | $12K | — | $12K | 7.06% |
| 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 | $18K | — | $18K | 16.48% |
| AMIR LOZANI3 | 810 W PENNSYLVANIA AVE. SAN DIEGO, CA 92103 | MCS LIFE INSURANCE COMPANY | $2K | — | $2K | 4.85% |
| CLICK2BIND INSURANCE SERVICES INC3 | 5205 KEARNY VILLA WAY STE 102 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 20.10% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $941 | $15 | $956 | 5.11% |
| CLICK2BIND INSURANCE SERVICES INC3 Filed as: CLICK2BIND | 5205 KEARNY VILLA WAY STE 102 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 20.31% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $884 | $15 | $899 | 5.16% |
| CLICK2BIND INSURANCE SERVICES INC3 | 5205 KEARNY VILLA WAY STE 102 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 22.10% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $744 | $12 | $756 | 5.62% |
| CLICK2BIND INSURANCE SERVICES INC3 | 5205 KEARNY VILLA WAY STE 102 SAN DIEGO, CA 92123 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $491 | — | $491 | 10.42% |
| 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 | $196 | $4 | $200 | 4.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $158K |
| OPTUMRX,INC. EIN 33-0441200 PHARMACY BENEFIT MANAG | Other fees; Claims processing; Direct payment from the plan; Float revenue Service code 12 | — | $147K |
| CLICK2BIND INSURANCE SERVICES INC BROKER | Other commissions Service code 55 | 5205 KEARNY VILLA WAY STE 102 SAN DIEGO, CA 92123 | $70K |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 161 | $254K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $193K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $189K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $189K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $111K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $111K |
| Prescription drug | MCS LIFE INSURANCE COMPANY | 10 | $46K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE-BENEFIT MALL | 167 | $358K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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.