| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERIVCE | 1001 MARK AVENUE SUITE 201 CARPINTERIA, CA 93013 | CALIFORNIA PHYSICIANS' SERVICE | $0 | $85K | $85K | 4.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER INSURANCE AGENCY | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | CALIFORNIA PHYSICIANS' SERVICE | $0 | $34K | $34K | 1.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BRWON OF CALIFORNIA, INC. | 2 PARK PLZ SUITE 440 IRVINE, CA 92614 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 6.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 3.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BRWON OF CALIFORNIA, INC. | 2401 E KATELLA AVE STE 500 ANAHEIM, CA 92806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $897 | $3K | 12.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $843 | $0 | $843 | 3.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2401 E. KATELLA AVENUE ANAHEIM, CA 92806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $954 | $510 | $1K | 10.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $493 | $0 | $493 | 3.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER INSURANCE AGENCY | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | $320 | $0 | $320 | 4.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BRWON OF CALIFORNIA, INC. | 1001 MARK AVENUE SUITE 201 CARPINTERIA, CA 93013 | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | $136 | $0 | $136 | 1.74% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHMENT | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $489 | $0 | $489 | 6.58% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 201 | $1.9M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 28 | $37K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $30K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 14 | $7K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $26K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 201 | $1.9M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.