| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCISAAC FIN. AND INS. SVCS., INC.3 Filed as: MCISAAC FINANCIAL & INS SERVICES | INC 30 CORPORATE PARK STE 306 IRVINE, CA 92606 | UNITED HEALTHCARE INSURANCE COMPANY | $56K | — | $56K | 4.59% |
| MCISAAC FIN. AND INS. SVCS., INC.3 Filed as: MCISAAC FINANCIAL & INS SERVICES | INC 30 CORPORATE PARK STE 306 IRVINE, CA 926065133 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 8.50% |
| AMWINS3 Filed as: LISI INSURANCE SERVICES INC | 1600 W HILLSDALE BLVD SAN MATEO, CA 944023768 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $253 | $6K | 5.19% |
| 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 | $8K | — | $8K | 19.75% |
| MCISAAC FIN. AND INS. SVCS., INC.3 Filed as: MCISAAC FINANCIAL & INSURANCE | SERVICES, INC. 30 CORPORATE PARK DR STE 306 IRVINE, CA 92606 | VSP | $1K | — | $1K | 10.00% |
| MCISAAC FIN. AND INS. SVCS., INC.3 Filed as: MCISAAC FINANCIAL & INS SERVICES | INC 30 CORPORATE PARK STE 306 IRVINE, CA 926065133 | SAFEGURARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $818 | — | $818 | 9.93% |
| AMWINS3 Filed as: LISI INSURANCE SERVICES INC | 1600 W HILLSDALE BLVD SAN MATEO, CA 944023768 | SAFEGURARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $409 | $17 | $426 | 5.17% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 166 | $1.2M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $128K |
| Vision | VSP | 95 | $13K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $120K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $120K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $120K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.