| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLYNN & PIEL INSURANCE SERVICES LLC3 | 10809 THORNMINT ROAD SUITE A SAN DIEGO, CA 92127 | BLUE CROSS OF CALIFORNIA | $145K | — | $145K | 4.64% |
| FLYNN & PIEL INSURANCE SERVICES LLC3 Filed as: FLYNN & PIEL INSURANCE SERVICE | 10809 THORNMINT ROAD SUITE A SAN DIEGO, CA 92127 | UNITED CONCORDIA INSURANCE COMPANY | $30K | $2K | $31K | 10.54% |
| FLYNN & PIEL INSURANCE SERVICES LLC3 Filed as: FLYNN & PIEL INSURANCE SERVICE | 10809 THORNMINT RD STE 100 SAN DIEGO, CA 92127 | SYMETRA LIFE INSURANCE COMPANY | $21K | $8K | $30K | 12.24% |
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 | 210 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 472 | $3.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 482 | $296K |
| Vision | BLUE CROSS OF CALIFORNIA | 472 | $3.1M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 0 | $241K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $241K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $241K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 0 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 482 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.