| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA | ONE KAISER PLAZA SUITE 1101 OAKLAND, CA 94612 | CALIFORNIA PHYSICIANS SERVICE | $49K | — | $49K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA | 3697 MT. DIABLO BLVD. SUITE 100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN INC. | $21K | — | $21K | 3.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA | ONE KAISER PLAZA, SUITE 1101 OAKLAND, CA 94612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $738 | $7K | 12.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA | ONE KAISER PLAZA, SUITE 1101 OAKLAND, CA 94612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $375 | $6K | 21.59% |
| SITZMANN MORRIS & LAVIS INS AGENCY3 Filed as: SITZMANN MORRIS & LAVIS, INC. | ONE KAISER PLAZA, SUITE 1101 OAKLAND, CA 94612 | NATIONAL GUARDIAN LIFE INSUARNCE COMPANY | $3K | — | $3K | 10.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA INC. | 3697 MT. DIABLO BLVD. SUITE 100 LAFAYETTE, CA 94549 | HARTFORD LIFE AND ACCIDENT | $161 | — | $161 | 14.99% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 147 | $1.6M |
| Vision | NATIONAL GUARDIAN LIFE INSUARNCE COMPANY | 335 | $25K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $54K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $55K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $54K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 72 | $975K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.