| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SVCS LLC | 130 THEORY, SUITE 200 IRVINE, CA 92612 | CALIFORNIA PHYSICIANS SERVICE | $16K | $7K | $24K | 4.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | CALIFORNIA PHYSICIANS SERVICE | $5K | — | $5K | 0.96% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SVCS LLC | 130 THEORY, SUITE 200 IRVINE, CA 92612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 7.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, AZ 92122 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $911 | — | $911 | 2.45% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL - SEE ATTACHMENT | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $823 | $5K | 29.46% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SVCS, LLC | 130 THEORY, SUITE 200 IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $994 | $83 | $1K | 13.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $141 | $28 | $169 | 2.09% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SVCS, LLC | 130 THEORY, SUITE 200 IRVINE, CA 92612 | EYEMED VISION CARE | $406 | — | $406 | 6.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | EYEMED VISION CARE | $104 | — | $104 | 1.70% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SVCS, LLC | 130 THEORY, SUITE 200 IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $261 | $33 | $294 | 9.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50 | $10 | $60 | 1.93% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 74 | $530K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 92 | $37K |
| Vision | EYEMED VISION CARE | 76 | $6K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 113 | $28K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 19 | $17K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 74 | $530K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 113 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.