| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCISAAC FIN. AND INS. SVCS., INC.3 Filed as: MCISAAC FINANCIAL & INS SERVICES IN | 30 CORPORATE PARK STE 306 IRVINE, CA 92606 | UNITEDHEALTHCARE INSURANCE COMPANY | $50K | — | $50K | 5.42% |
| MCISAAC FIN. AND INS. SVCS., INC.3 Filed as: MCISAAC FINANCIAL & INS SERVICES | INC 30 CORPORATE PARK DR, STE 306 IRVINE, CA 926065133 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 8.26% |
| AMWINS3 Filed as: LISI INSURANCE SERVICES INC | 1600 W HILLSDALE BLVD SAN MATEO, CA 944023768 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $3K | $8K | 7.21% |
| MCISAAC FIN. AND INS. SVCS., INC.3 Filed as: MCISAAC FINANCIAL & INSURANCE | 30 CORPORATE PARK DR, STE 306 IRVINE, CA 926065131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 20.00% |
| MCISAAC FIN. AND INS. SVCS., INC.3 Filed as: MCISAAC FINANCIAL & INS SERVICES | INC 30 CORPORATE PARK STE 306 IRVINE, CA 926065133 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $808 | — | $808 | 10.13% |
| AMWINS3 Filed as: LISI INSURANCE SERVICES INC | 1600 W HILLSDALE BLVD SAN MATEO, CA 944023768 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $404 | $182 | $586 | 7.35% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 166 | $918K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 159 | $122K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 159 | $114K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 159 | $114K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 159 | $114K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 159 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.