| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS, LLC | 7777 CENTER AVENUE, SUITE 600 HUNTINGTON BEACH, CA 92647 | CALIFORNIA PHYSICIANS' SERVICE | $0 | $42K | $42K | 4.86% |
| 3 GENERATIONS INSURANCE AGENCY, INC3 | 10805 HOLDER STREET, SUITE 350 CYPRESS, CA 90630 | CALIFORNIA PHYSICIANS' SERVICE | $0 | $22K | $22K | 2.54% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS., LLC | 1500 QUAIL STREET, SUITE 570 NEWPORT BEACH, CA 92660 | HUMANA INSURANCE COMPANY | $12K | $1K | $14K | 13.58% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS., LLC | 1500 QUAIL STREET, SUITE 570 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $719 | $0 | $719 | 0.80% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 93 | $962K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 143 | $190K |
| Vision | HUMANA INSURANCE COMPANY | 143 | $100K |
| Life insurance | HUMANA INSURANCE COMPANY | 143 | $100K |
| Short-term disability | HUMANA INSURANCE COMPANY | 143 | $100K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 93 | $962K |
| Other | HUMANA INSURANCE COMPANY | 143 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.