| 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 | $41K | — | $41K | 12.70% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 8000 NORMAN CENTER DR STE 605 BLOOMINGTON, MN 55437 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $4K | $14K | 4.29% |
| AMIR LOZANI3 | 810 W PENNSYLVANIA AVE. SAN DIEGO, CA 92103 | MCS LIFE INSURANCE COMPANY | $5K | — | $5K | 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 | $13K | — | $13K | 15.00% |
| CLICK2BIND INSURANCE SERVICES INC3 Filed as: CLICK2BIND INSURANCE SERVICES, INC | 5205 KEARNY VILLA WAY STE 102 SAN DIEGO, CA 92123 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 6.07% |
| CLICK2BIND INSURANCE SERVICES INC3 | 5205 KEARNY VILLA WAY STE 102 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 25.55% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 8000 NORMAN CENTER DR STE 605 BLOOMINGTON, MN 55437 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $357 | $2K | 7.08% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $148 | — | $148 | 0.49% |
| CLICK2BIND INSURANCE SERVICES INC3 Filed as: CLICK2BIND INSURANCE SERVICES LLC | 5205 KEARNY VILLA WAY STE 102 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 25.80% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 8000 NORMAN CENTER DR STE 605 BLOOMINGTON, MN 55437 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $322 | $2K | 7.68% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| CLICK2BIND INSURANCE SERVICES INC3 | 5205 KEARNY VILLA WAY STE 102 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 26.14% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 8000 NORMAN CENTER DR STE 605 BLOOMINGTON, MN 55437 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $309 | $2K | 7.80% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| CLICK2BIND INSURANCE SERVICES INC3 | 5205 KEARNY VILLA WAY STE 102 SAN DIEGO, CA 92123 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $351 | — | $351 | 13.14% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 8000 NORMAN CENTER DR STE 605 BLOOMINGTON, MN 55437 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $141 | $35 | $176 | 6.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC. EIN 33-0441200 PHARMACY BENEFIT MGT | Direct payment from the plan; Claims processing; Float revenue; Other fees Service code 12 | — | $722K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $237K |
| CLICK2BIND INSURANCE SERVICES INC BROKER | Other commissions Service code 55 | 5205 KEARNY VILLA WAY STE 102 SAN DIEGO, CO 92123 | $106K |
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $1K |
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 | 467 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 480 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | MCS LIFE INSURANCE COMPANY | 243 | $270K |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 638 | $427K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 638 | $319K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 638 | $425K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $89K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $89K |
| Prescription drug | MCS LIFE INSURANCE COMPANY | 29 | $105K |
| Stop-loss / reinsurancereinsurance | BENEFITMALL-SYMETRA | 493 | $605K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 638 | $400K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 638 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.