| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRA EMPLOYEE BENEFIT INS. SVCS.3 | 1626 W. CAMPBELL AVENUE CAMPBELL, CA 95008 | ANTHEM BLUE CROSS | $46K | — | $46K | 3.72% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES INC. | 1350 TREAT BLVD., SUITE 470 WALNUT CREEK, CA 94597 | ANTHEM BLUE CROSS | — | $30K | $30K | 2.42% |
| CORRINNE CHARTERS3 | 9035 SOQUEL AVENUE, SUJITE 200 SANTA CRUZ, CA 95062 | ANTHEM BLUE CROSS | $14K | — | $14K | 1.13% |
| INTEGRA EMPLOYEE BENEFIT INS. SVCS.3 | 1626 W. CAMPBELL AVENUE CAMPBELL, CA 95008 | DELTA DENTAL OF CALIFORNIA | $4K | — | $4K | 3.35% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVENUE, SUITE 200 SANTA CRUZ, CA 95062 | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 1.65% |
| INTEGRA EMPLOYEE BENEFIT INS. SVCS.3 | 1626 W. CAMPBELL AVENUE CAMPBELL, CA 95008 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 17.53% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVENUE, SUITE 200 SANTA CRUZ, CA 95062 | METROPOLITAN LIFE INSURANCE COMPANY | $771 | — | $771 | 2.38% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVENUE, SUITE 200 SANTA CRUZ, CA 95062 | HOLMAN PROFESSIONAL COUNCELING CENTERS | $234 | — | $234 | 5.01% |
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 | 243 | 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) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS | 115 | $1.2M |
| Dental | DELTA DENTAL OF CALIFORNIA | 123 | $112K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $32K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $32K |
| Prescription drug | ANTHEM BLUE CROSS | 115 | $1.2M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.