| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: LEAVITT UNITED INSURANCE SERVICES | 2358 MARITIME DR STE 100 ELK GROVE, CA 95758 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $28K | — | $28K | 2.31% |
| LEAVITT GROUP3 Filed as: LEAVITT UNITED INSURANCE SERVICES | — | OREGON DENTAL SERVICE DBA DELTA DENTAL OF OREGON | $2K | — | $2K | 2.50% |
| LEAVITT GROUP3 Filed as: LEAVITT UNITED INSURANCE SERVICES | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.96% |
| BRITTANY LLOYD3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $450 | $2K | 4.40% |
| CASEY JAMES KUGLER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $325 | $214 | $539 | 1.17% |
| STEPHANIE NOELLE KUGLER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $404 | $66 | $470 | 1.02% |
| JAN N HEIMBAUGH3 Filed as: JAN MYERS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $246 | — | $246 | 0.53% |
| BRIAN ROBERT LLOYD3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $88 | $125 | 0.27% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM RICHARD MARQUESS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $15 | $17 | 0.04% |
| LEAVITT GROUP3 Filed as: LEAVITT UNITED INSURANCE SERVICES | 2358 MARITIME DR STE 100 ELK GROVE, CA 95758 | VISION SERVICE PLAN | $855 | — | $855 | 6.54% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 113 | $1.2M |
| Dental | OREGON DENTAL SERVICE DBA DELTA DENTAL OF OREGON | 160 | $92K |
| Vision | VISION SERVICE PLAN | 133 | $13K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 146 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.