| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED INSURANCE SERVICES, INC.3 Filed as: INTEGRATED INSURANCE SERVICES | 90 CASTILIAN DRIVE, SUITE 110 GOLETA, CA 93117 | CALIFORNIA PHYSICIANS SERVICE | $144K | $278 | $145K | 2.02% |
| NEOVIA INTEGRATED INSURANCE SVCS.3 | PO BOX 609 SANTA BARBARA, CA 93102 | BLUE CROSS OF CALIFORNIA | $30K | $381 | $31K | 9.89% |
| NEOVIA INTEGRATED INSURANCE SVCS.3 Filed as: NEOVIA INTEGRATED INSURANCE SVCES. | PO BOX 8360 GOLETA, CA 93118 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 10.00% |
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 | 549 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 1,434 | $7.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 553 | $528K |
| Vision | BLUE CROSS OF CALIFORNIA | 1,184 | $311K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 1,184 | $311K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 533 | $195K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 533 | $195K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 1,434 | $7.2M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,184 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,434 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.