| 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 | $23K | — | $23K | 9.21% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $3K | $9K | 3.63% |
| AMIR H LOZANI3 | 810 WEST PENSYLVANIA AVE SAN DIEGO, CA 92130 | MCS LIFE INSURANCE COMPANY | $8K | — | $8K | 4.95% |
| CLICK2BIND INSURANCE SERVICES INC3 Filed as: CLICK2BIND INSURANCE SERVICES | 5205 KEARNY VILLA WAY STE 102 SAN DIEGO, CA 92123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 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 | $4K | — | $4K | 6.00% |
| 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 | 15.95% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $917 | $215 | $1K | 4.92% |
| 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 | $1K | — | $1K | 4.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN, INSURANCE ADMINISTRAT | 721 S PARKER ST STE 300 ORANGE, CA 92868 | KAISER FOUNDATION HEALTH PLAN INC | $310 | — | $310 | 1.36% |
| CLICK2BIND INSURANCE SERVICES INC3 | 5205 KEARNY VILLA WAY STE 102 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 16.44% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $833 | $206 | $1K | 5.13% |
| CLICK2BIND INSURANCE SERVICES INC3 | 5205 KEARNY VILLA WAY STE 102 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 15.35% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $689 | $186 | $875 | 4.88% |
| CLICK2BIND INSURANCE SERVICES INC3 | 5205 KEARNY VILLA WAY STE 102 SAN DIEGO, CA 92123 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $233 | — | $233 | 8.32% |
| 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 | $93 | $33 | $126 | 4.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC. EIN 33-0441200 PHARMACY BENEFIT MGT | Direct payment from the plan; Other fees; Float revenue; Claims processing Service code 12 | — | $487K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $224K |
| CLICK2BIND INSURANCE SERVICES INC BROKER | Other commissions Service code 55 | 5205 KEARNY VILLA WAY STE 102 SAN DIEGO, CO 92123 | $88K |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 248 | $180K |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 511 | $289K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 511 | $251K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 511 | $286K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $102K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $102K |
| Prescription drug | MCS LIFE INSURANCE COMPANY | 7 | $35K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE-BENEFIT MALL | 386 | $428K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 511 | $478K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 511 | — |
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.