| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 1300 DOVE STREET, SUITE 300 NEWPORT BEACH, CA 92660 | BLUE CROSS OF CALIFORNIA | $112K | $0 | $112K | 4.84% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | BLUE CROSS OF CALIFORNIA | $0 | $51K | $51K | 2.19% |
| ASSUREDPARTNERS3 | 435 WHITTINGTON PARKWAY, SUITE 300 LOUISVILLE, KY 40222 | BLUE CROSS OF CALIFORNIA | $0 | $2K | $2K | 0.09% |
| ASSUREDPARTNERS3 | PO BOX 1388 VENTURA, CA 93002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $84K | $2K | $86K | 13.90% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $0 | $27K | 4.30% |
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 3.19% |
| ASSUREDPARTNERS3 | 1425 RIVER PARK DRIVE, SUITE 226 SACRAMENTO, CA 95815 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $990 | $0 | $990 | 4.24% |
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | HARTFORD LIFE AND ACCIDENT | $879 | $0 | $879 | 5.79% |
| ASSUREDPARTNERS3 | 2913 PULLMAN STREET SANTA ANA, CA 92705 | HARTFORD LIFE AND ACCIDENT | $508 | $0 | $508 | 3.35% |
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 248 | $2.9M |
| Dental | BLUE CROSS OF CALIFORNIA | 248 | $2.3M |
| Vision | BLUE CROSS OF CALIFORNIA | 248 | $2.3M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $633K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $618K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 248 | $2.9M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $618K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.