| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INSURANCE SERVICES, INC. | 1212 BROADWAY PLZ STE 2100 WALNUT CREEK, CA 945965129 | UNITEDHEALTHCARE INSURANCE COMPANY | $30K | — | $30K | 4.88% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | LLC 1600 W HILLSDALE BLVD STE 201 SAN MATEO, CA 944023766 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $3K | $15K | 2.42% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INSURANCE SERVICES, INC. | 1212 BROADWAY PLZ STE 2100 WALNUT CREEK, CA 945965129 | KAISER FOUNDATION HEALTH PLAN INC | $33K | — | $33K | 6.05% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INSURANCE SERVICES | — | DELTA DENTAL OF CALIFORNIA | $7K | — | $7K | 7.28% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INS SERVICES INC | 1212 BROADWAY PLZ STE 2100 WALNUT CREEK, CA 945965129 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 16.05% |
| AMWINS3 Filed as: LISI LLC D/B/A AMWINS CONNECT | INSURANCE SERVICES LLC 1600 W HILLSDALE BLVD STE 201 SAN MATEO, CA 944023766 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.54% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INSURANCE SERVICES, INC. | 1299 NEWELL HILL PL STE 301 WALNUT CREEK, CA 945965231 | VISION SERVICE PLAN | $1K | — | $1K | 5.05% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $128 | — | $128 | 0.50% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INS SERVICES INC | 1212 BROADWAY PLZ STE 2100 WALNUT CREEK, CA 945965129 | METROPOLITAN LIFE INSURANCE COMPANY | — | $251 | $251 | 2.98% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INS SERVICES INC | 1212 BROADWAY PLZ STE 2100 WALNUT CREEK, CA 945965129 | METROPOLITAN LIFE INSURANCE COMPANY | — | $192 | $192 | 3.29% |
| EVCO INSURANCE SERVICES INC4 Filed as: EVCO INSURANCE SERVICES | SUITE 2100 1212 BROADWAY PLAZA WALNUT CREEK, CA 94596 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 40.47% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $1.2M |
| Dental | DELTA DENTAL OF CALIFORNIA | 308 | $99K |
| Vision | VISION SERVICE PLAN | 139 | $26K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $48K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $48K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $48K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.