| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PACIFIC COAST BENEFITS INSURANCE3 | SERVICES, LLC 7600 MONTEREY ST. #140 GILROY, CA 95020 | AETNA LIFE INSURANCE CO. | $119K | — | $119K | 4.30% |
| PACIFIC COAST BENEFITS INSURANCE3 | SERVICES, LLC 7600 MONTEREY ST. #140 GILROY, CA 95020 | AETNA HEALTH, INC. | $11K | — | $11K | 3.97% |
| PACIFIC COAST BENEFITS, LLC3 Filed as: PACIFIC COAST BENEFITS INS SVC | PO BOX 1749 GILROY, CA 95021 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 12.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | PO BOX 6030 PASADENA, CA 91102 | HARTFORD LIFE AND ACCIDENT | $287 | — | $287 | 0.68% |
| PACIFIC COAST BENEFITS, LLC3 | PO BOX 1749 GILROY, CA 950211749 | VISION SERVICE PLAN | $1K | — | $1K | 4.44% |
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 | 564 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 562 | $2.8M |
| Dental | AETNA LIFE INSURANCE CO. | 562 | $2.8M |
| Vision | VISION SERVICE PLAN | 228 | $34K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 564 | $42K |
| Other | HARTFORD LIFE AND ACCIDENT | 564 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 564 | — |
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.