| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PE INSURANCE SERVICES LLC3 | 26133 US HWY 19 N CLEARWATER, FL 33763 | BLUE CROSS OF CALIFORNIA | $56K | — | $56K | 3.45% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | — | $41K | $41K | 2.47% |
| EXECUTIVE RESOURCE GROUP LLC3 | 810 DUTCH SQUARE BLVD SUITE 232 COLUMBIA, SC 29210 | BLUE CROSS OF CALIFORNIA | $3K | — | $3K | 0.16% |
| PE INSURANCE SERVICES LLC3 | 545 BOYLSTON STREET FLOOR 6 BOSTON, MA 02116 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 10.32% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AGENCY | 12404 PARK CENTRAL DRIVE SUITE 4008 DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $3 | $9K | 5.02% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 103 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $177K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $177K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $177K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $177K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.