| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MC ISAAC FINANCIAL & INS SVCS3 | 30 CORPORATE PARK STE 306 IRVINE, CA 92606 | CALIFORNIA PHYSICIANS SERVICE | $58K | — | $58K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | 701 S PARKER ST 8TH FL ORANGE, CA 92868 | CALIFORNIA PHYSICIANS SERVICE | — | $23K | $23K | 2.00% |
| 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 | $9K | — | $9K | 9.00% |
| AMWINS3 Filed as: LISI INSURANCE SERVICES INC | 1600 W HILLSDALE BLVD STE 201 SAN MATEO, CA 944023768 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 5.06% |
| 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 | $5K | — | $5K | 20.00% |
| 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 & INSURANCE | 30 CORPORATE PARK DR, STE 306 IRVINE, CA 926065131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 19.90% |
| MC ISAAC FINANCIAL & INS SVCS3 | 30 CORPORATE PARK STE 306 IRVINE, CA 92606 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $925 | — | $925 | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | 701 S PARKER ST 8TH FL ORANGE, CA 92868 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | — | $185 | $185 | 2.00% |
| 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 | $821 | — | $821 | 19.59% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | 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) | CALIFORNIA PHYSICIANS SERVICE | 179 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $103K |
| Vision | VSP | 82 | $13K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $112K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $103K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $103K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 179 | $1.2M |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.