| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOTTOM LINE INSURANCE SVCS LLC3 Filed as: BOTTOM LINE INSURANCE SERVICES LLC | 5862 BOLSA AVE STE108 HUNTINGTON BEACH, CA 92649 | HEALTH NET | $1 | — | $1 | 0.00% |
| BOTTOM LINE INSURANCE SVCS LLC3 Filed as: BOTTOM LINE INSURANCE SERVICES LLC | 5862 BOLSA AVENUE STE 108 HUNTINGTON BEACH, CA 926491169 | PRINCIPAL LIFE INSURANCE COMPANY 3 | $18K | — | $18K | 10.00% |
| BOTTOM LINE INSURANCE SVCS LLC3 Filed as: BOTTOM LINE INSURANCE SERVICES LLC | 5862 BOLSA AVENUE STE 108 HUNTINGTON BEACH, CA 926491169 | PRINCIPAL LIFE INSURANCE COMPANY 1 | $8K | — | $8K | 9.39% |
| BOTTOM LINE INSURANCE SVCS LLC3 Filed as: BOTTOM LINE INSURANCE SERVICES LLC | 5862 BOLSA AVENUE STE 108 HUNTINGTON BEACH, CA 926491169 | PRINCIPAL LIFE INSURANCE COMPANY 2 | $8K | — | $8K | 15.00% |
| BENJAMIN MOSQUEDA3 | 2855 CROCKERY SHORES RD CASNOVIA, MI 49318 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 2.02% |
| JIM BARRETT3 | 8514 EAST KRAIL ST SCOTTSDALE, AZ 85250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.80% |
| MICHAEL MINNEY3 Filed as: MICHAEL JAY MINNEY | PO BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.69% |
| ROBERT ELI WHITNEY3 | 1132 SAN MARINO DRIVE SAN MARCOS, CA 92078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ULRICH KENNETH EIN 56-4600071 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | 3780 KILROY AIRPORT WAY LONG BEACH, CA 90806 | $0 |
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 | 1,739 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,739 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 333 | $1.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY 3 | 283 | $181K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY 1 | 940 | $137K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY 1 | 940 | $82K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY 1 | 940 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 940 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.