| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDERSON ROBINSON STARKEY INSURANCE | PO BOX 1105 ARCATA, CA 95518 | BLUE CROSS OF CALIFORNIA | $103K | — | $103K | 4.86% |
| PAYCHEX INSURANCE AGENCY, INC. Filed as: PAYCHEX INSURANCE AGENCY INC | 225 KENNETH DR ROCHESTER, NY 14623 | BLUE CROSS OF CALIFORNIA | $70 | — | $70 | 0.00% |
| ANDERSON ROBINSON STARKEY INSURANCE | 627 7TH STREET ARCATA, CA 95521 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $44K | — | $44K | 18.14% |
| ENROLLEASE Filed as: 000MY326-ENROLLEASE | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $5K | — | $5K | 2.00% |
| PAYCHEX INSURANCE AGENCY, INC. Filed as: PAYCHEX INSURANCE AGENCY INC | 225 KENNETH DRIVE ROCHESTER, NY 14623 | THE GUARDIAN LIFE INSURANCE OF AMERICA | -$11K | — | -$11K | -4.55% |
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 | 165 | Currently employed and enrolled or eligible. |
| 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 | 165 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE OF AMERICA | 221 | $242K |
| Vision | THE GUARDIAN LIFE INSURANCE OF AMERICA | 221 | $242K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 220 | $61K |
| Long-term disability | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 220 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.
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.