| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLYNN & PIEL INSURANCE SERVICES LLC3 | 10809 THORNMINT ROAD SUITE A SAN DIEGO, CA 92127 | BLUE SHIELD OF CALIFORNIA | $5K | $129K | $134K | 5.35% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE SHIELD OF CALIFORNIA | — | $107 | $107 | 0.00% |
| FLYNN & PIEL INSURANCE SERVICES LLC3 Filed as: FLYNN & PIEL INSURANCE SERVICE | 10809 THORNMINT ROAD SUITE A SAN DIEGO, CA 92127 | UNITED CONCORDIA INSURANCE COMPANY | $34K | — | $34K | 10.86% |
| FLYNN & PIEL INSURANCE SERVICES LLC3 Filed as: FLYNN & PIEL INSURANCE SERVICE | 10809 THORNMINT RD STE 100 SAN DIEGO, CA 92127 | SYMETRA LIFE INSURANCE COMPANY | $18K | $2K | $19K | 10.31% |
No Schedule C service providers reported on this filing.
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 | 265 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 493 | $2.5M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 518 | $313K |
| Vision | BLUE SHIELD OF CALIFORNIA | 493 | $2.5M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 265 | $187K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 265 | $187K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 265 | $187K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 493 | $2.5M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 265 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.