| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAROEVICH, O'SHEA AND COGHLAN INS.3 Filed as: MAROEVICH O'SHEA AND COGHLAN INS | 101 MONTGOMERY STREET, SUITE 800 SAN FRANCISCO, CA 94104 | BLUE CROSS OF CALIFORNIA | $17K | $0 | $17K | 4.34% |
| BEERE & PURVES INC3 Filed as: BEERE AND PURVES, INC. | 500 YGNACIO VALLEY ROAD, SUITE 450 WALNUT CREEK, CA 94596 | BLUE CROSS OF CALIFORNIA | $0 | $9K | $9K | 2.17% |
| MAROEVICH, O'SHEA AND COGHLAN INS.3 Filed as: MAROEVICH O'SHEA AND COGHLAN INS | 101 MONTGOMERY STREET, SUITE 800 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $0 | $6K | 2.88% |
| MAROEVICH, O'SHEA AND COGHLAN INS.3 Filed as: MAROEVICH O'SHEA AND COGHLAN INC | 101 MONTGOMERY STREET, SUITE 800 SAN FRANCISCO, CA 94104 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 8.26% |
| BEERE & PURVES INC3 Filed as: BEERE AND PURVES, INC. | 500 YGNACIO VALLEY ROAD, SUITE 450 WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.95% |
| MAROEVICH, O'SHEA AND COGHLAN INS.3 Filed as: MAROEVICH O'SHEA AND COGHLAN | 101 MONTGOMERY STREET, SUITE 800 SAN FRANCISCO, CA 94104 | VISION SERVICE PLAN | $559 | $0 | $559 | 9.04% |
| BEERE & PURVES INC3 Filed as: BEERE AND PURVES, INC. | 500 YGNACIO VALLEY ROAD, SUITE 450 WALNUT CREEK, CA 94596 | VISION SERVICE PLAN | $309 | $0 | $309 | 5.00% |
| MAROEVICH, O'SHEA AND COGHLAN INS.3 Filed as: MAROEVICH O'SHEA AND COGHLAN | 101 MONTGOMERY STREET, SUITE 800 SAN FRANCISCO, CA 94104 | GERBER | $170 | $0 | $170 | 7.50% |
| MAROEVICH, O'SHEA AND COGHLAN INS.3 Filed as: MAROEVICH O'SHEA AND COGHLAN INC | 101 MONTGOMERY STREET, SUITE 800 SAN FRANCISCO, CA 94104 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $145 | $0 | $145 | 10.06% |
| BEERE & PURVES INC3 Filed as: BEERE AND PURVES, INC. | 500 YGNACIO VALLEY ROAD, SUITE 450 WALNUT CREEK, CA 94596 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $73 | $0 | $73 | 5.06% |
| MAROEVICH, O'SHEA AND COGHLAN INS.3 Filed as: MAROEVICH O'SHEA AND COGHLAN INS | 101 MONTGOMERY STREET, SUITE 800 SAN FRANCISCO, CA 94104 | SUN LIFE ASSURANCE COMPANY OF CANADA | $130 | $0 | $130 | 21.00% |
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 | 61 | 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) | 61 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 63 | $608K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 144 | $93K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 30 | $8K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 144 | $92K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2 | $619 |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 144 | $92K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 63 | $608K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 144 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.