| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 4350 LA JOLLA VILLAGE DR., STE. 900 SAN DIEGO, CA 92122 | BLUE CROSS OF CALIFORNIA | $29K | — | $29K | 4.73% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 4350 LA JOLLA VILLAGE DR., STE. 900 SAN DIEGO, CA 92122 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 12.18% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 W. STATE ROAD, SUITE 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.67% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 4350 LA JOLLA VILLAGE DR., STE. 900 SAN DIEGO, CA 92122 | SAFEGUARD HEALTH PLANS, INC. | $1K | — | $1K | 10.18% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 W. STATE ROAD, SUITE 434 LONGWOOD, FL 32750 | SAFEGUARD HEALTH PLANS, INC. | — | $238 | $238 | 1.69% |
| INSURANCE OFFICE OF AMERICA3 | 130 VANTIS, SUITE 250 ALISO VIEJO, CA 92656 | GERBER LIFE INSURANCE CO. (MES VISION) | $1K | — | $1K | 10.70% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 66 | $624K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $126K |
| Vision | GERBER LIFE INSURANCE CO. (MES VISION) | 58 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $112K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $112K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 66 | $624K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.