| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HCC LIFE INSURANCE COMPANY3 | 255 TOWNPARK DRIVE SUITE 350 WOODLAND HILLS, AZ 850389675 | TOKIO MARINE HCC | $668K | $0 | $668K | 100.07% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES | 6200 CANOGA AVENUE SUITE 300 WOODLAND HILLS, CA 91367 | TOKIO MARINE HCC | $67K | $0 | $67K | 10.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES | 2027 PO BOX 29675 PHOENIX, AZ 85038 | TOKIO MARINE HCC | $30K | $0 | $30K | 4.50% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $1K | $11K | 4.69% |
| ASSUREDPARTNERS3 Filed as: GIS BENFITS INC | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 4.57% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 3.94% |
| INNOVATIVE COST MANAGEMENT SERVICES3 | 95 S MARKET ST STE 600 SAN JOSE, CA 951132339 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.82% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | METROPOLITAN LIFE INSURANCE COMPANY | $993 | $93 | $1K | 6.96% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | METROPOLITAN LIFE INSURANCE COMPANY | $800 | $0 | $800 | 5.12% |
| ASSUREDPARTNERS3 Filed as: GIS BENFITS INC | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $504 | $122 | $626 | 4.01% |
| INNOVATIVE COST MANAGEMENT SERVICES3 | 95 S MARKET ST STE 600 SAN JOSE, CA 651132339 | METROPOLITAN LIFE INSURANCE COMPANY | $223 | $154 | $377 | 2.41% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE STE 200 STE 2300 SALT LAKE CITY, CA 95062 | METROPOLITAN LIFE INSURANCE COMPANY | $460 | $45 | $505 | 7.13% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | METROPOLITAN LIFE INSURANCE COMPANY | $476 | $0 | $476 | 6.72% |
| ASSUREDPARTNERS3 Filed as: GIS BENFITS INC | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $267 | $65 | $332 | 4.68% |
| INNOVATIVE COST MANAGEMENT SERVICES3 | 95 S MARKET ST STE 600 SAN JOSE, CA 951132339 | METROPOLITAN LIFE INSURANCE COMPANY | $131 | $82 | $213 | 3.01% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | METROPOLITAN LIFE INSURANCE COMPANY | $558 | $0 | $558 | 11.84% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | METROPOLITAN LIFE INSURANCE COMPANY | $310 | $30 | $340 | 7.21% |
| ASSUREDPARTNERS3 Filed as: GIS BENFITS INC | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $237 | $55 | $292 | 6.20% |
| INNOVATIVE COST MANAGEMENT SERVICES3 | 95 S STATE STREET SUITE 1300 SAN JOSE, CA 951132339 | METROPOLITAN LIFE INSURANCE COMPANY | $80 | $48 | $128 | 2.72% |
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 | 591 | 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) | 591 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | TOKIO MARINE HCC | 499 | $695K |
| Dental | TOKIO MARINE HCC | 499 | $667K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 591 | $226K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 591 | $226K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 591 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 591 | — |
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.