| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 | 21820 BURBANK BOULEVARD SUITE 300 WOODLAND HILLS, CA 91367 | BLUE CROSS OF CALIFORNIA | $71K | $0 | $71K | 5.06% |
| LEAVITT GROUP3 | UNKNOWN VAN NUYS, CA 91405 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET SUITE 200 IRVINE, CA 92614 | KANAWHA INSURANCE COMPANY | $3K | $0 | $3K | 6.53% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 21700 OXNARD STREET SUITE 1200 WOODLAND HILLS, CA 91367 | KANAWHA INSURANCE COMPANY | $1K | $0 | $1K | 3.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 21700 OXNARD STREET SUITE 1200 IRVINE, CA 92614 | KANAWHA INSURANCE COMPANY | $811 | $0 | $811 | 2.08% |
| LEAVITT GROUP3 | 21820 BURBANK BOULEVARD WOODLAND HILLS, CA 91367 | KANAWHA INSURANCE COMPANY | $46 | $0 | $46 | 0.12% |
| LEAVITT GROUP3 | 21820 BURBANK BOULEVARD SUITE 300 WOODLAND HILLS, CA 91367 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA | $2K | $0 | $2K | 10.02% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 268 | $1.4M |
| Dental(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 129 | $112K |
| Vision | BLUE CROSS OF CALIFORNIA | 268 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 268 | $1.4M |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 268 | $1.4M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 268 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.