| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, SUITE 200 REDWOOD CITY, CA 94065 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CA) | $7K | $54 | $7K | 0.34% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, STE 200 REDWOOD CITY, CA 94065 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 5.00% |
| BEERE & PURVES INC3 | 500 YGNACIO VALLEY RD STE 450 WALNUT CREEK, CA 945963853 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 2.50% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, STE 200 REDWOOD CITY, CA 94065 | DELTA DENTAL OF CALIFORNIA | $9K | $0 | $9K | 3.82% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, STE 200 REDWOOD CITY, CA 94065 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.25% |
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 | 269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CA) | 199 | $4.6M |
| Dental | DELTA DENTAL OF CALIFORNIA | 268 | $242K |
| Vision | VISION SERVICE PLAN | 231 | $36K |
| Life insurance | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CA) | 126 | $2.2M |
| Prescription drug(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CA) | 199 | $4.6M |
| Other | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CA) | 126 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.