| 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 | $18K | — | $18K | 8.25% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.41% |
| CLICK2BIND INSURANCE SERVICES INC3 Filed as: CLICK2BIND INSURANCE SERVICES | 5205 KEARNY VILLA WAY STE 101 SAN DIEGO, CA 92123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 15.00% |
| 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 | $6K | — | $6K | 6.62% |
| AMIR LOZANI3 | 810 W PENNSYLVANIA AVE. SAN DIEGO, CA 92103 | MCS LIFE INSURANCE COMPANY | $2K | — | $2K | 4.95% |
| CLICK2BIND INSURANCE SERVICES INC3 Filed as: CLICK2BIND INSURANCE SERVICES LLC | 5205 KEARNY VILLA WAY STE 102 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 17.41% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $919 | — | $919 | 4.35% |
| CLICK2BIND INSURANCE SERVICES INC3 | 5205 KEARNY VILLA WAY STE 102 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 25.96% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $874 | — | $874 | 6.49% |
| CLICK2BIND INSURANCE SERVICES INC3 Filed as: CLICK2BIND INSURANCE SERVICES, LLC | 4540 KEARNY VILLA RD STE 112 SAN DIEGO, CA 92123 | KAISER FOUNDATION HEALTH PLAN INC | $812 | $200 | $1K | 8.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN, INSURANCE ADMINISTRAT | 721 S PARKER ST STE 300 ORANGE, CA 92124 | KAISER FOUNDATION HEALTH PLAN INC | $257 | — | $257 | 2.18% |
| CLICK2BIND INSURANCE SERVICES INC3 | 5205 KEARNY VILLA WAY STE 102 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 25.43% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $627 | — | $627 | 6.37% |
| CLICK2BIND INSURANCE SERVICES INC3 | 5205 KEARNY VILLA WAY STE 102 SAN DIEGO, CA 92123 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $230 | — | $230 | 8.52% |
| 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 | $92 | — | $92 | 3.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $174K |
| CLICK2BIND INSURANCE SERVICES INC BROKER | Other commissions Service code 55 | 5205 KEARNY VILLA WAY STE 102 SAN DIEGO, CO 92123 | $76K |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 205 | $188K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 536 | $217K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 536 | $214K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 536 | $214K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $113K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $113K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE-BENEFIT MALL | 424 | $382K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 536 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 536 | — |
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.