| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOLMAN & WIKER3 Filed as: TOLMAN & WIKER INSURANCE | SERVICES LLC 196 S. FIR STREET VENTURA, CA 93002 | BLUE CROSS OF CALIFORNIA | $10 | — | $10 | 0.00% |
| SNAPENROLL LLC3 | 3737 BIRCH STREET SUITE 210 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 18.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | P.O. BOX 6030 PASADENA, CA 911026030 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $270 | $6K | 8.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | P.O. BOX 6030 PASADENA, CA 911026030 | METLIFE LEGAL PLANS | $5K | — | $5K | 11.29% |
| SNAPENROLL LLC3 | 3737 BIRCH STREET SUITE 210 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 17.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | P.O. BOX 6030 PASADENA, CA 911026030 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $266 | $3K | 8.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | HEALTH AND HUMAN RESOURCE CENTER | $3K | — | $3K | 15.00% |
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 | 1,146 | 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) | 1,146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 2,013 | $15.9M |
| Dental | BLUE CROSS OF CALIFORNIA | 2,013 | $15.9M |
| Vision | BLUE CROSS OF CALIFORNIA | 2,013 | $15.9M |
| Life insurance | BLUE CROSS OF CALIFORNIA | 2,013 | $15.9M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,145 | $207K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 2,013 | $15.9M |
| Other(5 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 2,013 | $16.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,013 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.