| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 1350 BAYSHORE HIGHWAY, SUITE 328 BURLINGAME, CA 94010 | ANTHEM BLUE CROSS OF CALIFORNIA | $69K | $0 | $69K | 3.26% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 1350 BAYSHORE HIGHWAY, SUITE 328 BURLINGAME, CA 94010 | DELTA DENTAL OF CALIFORNIA | $19K | $0 | $19K | 5.03% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 1350 BAYSHORE HIGHWAY, SUITE 328 BURLINGAME, CA 94010 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | $0 | $11K | 5.00% |
| BEERE & PURVES INC3 | 1350 TREAT BLVD, SUITE 470 WALNUT CREEK, CA 945972153 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 2.47% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 1350 BAYSHORE HIGHWAY, SUITE 328 BURLINGAME, CA 94010 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.12% |
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 | 389 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 284 | $4.4M |
| Dental | DELTA DENTAL OF CALIFORNIA | 389 | $371K |
| Vision | VISION SERVICE PLAN | 266 | $39K |
| Life insurance | ANTHEM BLUE CROSS OF CALIFORNIA | 160 | $2.1M |
| Prescription drug(3 contracts, 3 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 284 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.