| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 100 GALLERIA PARKWAY SUITE 600 ATLANTA, GA 30339 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $53K | — | $53K | 3.32% |
| CREST INSURANCE GROUP LLC3 | 5285 E. WILLIAMS CIRCLE #4500 TUCSON, AZ 85711 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $39K | — | $39K | 2.46% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES L | 2677 N. MAIN STREET STE 800 SANTA ANA, CA 92705 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $32K | $32K | 1.98% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E. WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | STANDARD INSURANCE COMPANY | $4K | $4K | $7K | 11.51% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 WEST STATE RD. 434 LONGWOOD, FL 32750 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 8.17% |
| AMWINS3 Filed as: AMWINS CONNECT INS SVCS LLC | 2677 NORTH MAIN ST. STE 800 SANTA ANA, CA 92705 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.63% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E. WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | STANDARD INSURANCE COMPANY | $2K | $2K | $4K | 12.58% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 8.15% |
| AMWINS3 Filed as: AMWINS CONNECT INS. SERVICES LLC | 2677 NORTH MAIN ST. STE 800 SANTA ANA, CA 92705 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 4.24% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E. WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | STANDARD INSURANCE COMPANY | $250 | $300 | $550 | 12.46% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE AMERICA INC. | 1855 WEST STATE RD 434 LONGWOOD, FL 32750 | STANDARD INSURANCE COMPANY | $361 | — | $361 | 8.18% |
| AMWINS3 Filed as: AMWINS CONNECT INS SVCS LLC | 2677 NORTH MAIN ST STE 800 SANTA ANA, CA 92705 | STANDARD INSURANCE COMPANY | — | $188 | $188 | 4.26% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 230 | $1.6M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 230 | $1.6M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 230 | $1.6M |
| Life insurance | STANDARD INSURANCE COMPANY | 139 | $64K |
| Short-term disability | STANDARD INSURANCE COMPANY | 139 | $4K |
| Long-term disability | STANDARD INSURANCE COMPANY | 139 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.