| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCISAAC FIN. AND INS. SVCS., INC.3 | 30 CORPORATE PARK, SUITE 306 IRVINE, CA 92606 | CALIFORNIA PHYSICIANS SERVICE | $16 | $73K | $73K | 4.38% |
| MCISAAC FIN. AND INS. SVCS., INC.3 | 30 CORPORATE PARK, SUITE 306 IRVINE, CA 92606 | CALIFORNIA PHYSICIANS SERVICE | $0 | $73K | $73K | 4.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN, INS. ADMIN., INC. | 701 SOUTH PARKER STREET, 8TH FLOOR ORANGE, CA 92868 | CALIFORNIA PHYSICIANS SERVICE | $35K | $0 | $35K | 2.11% |
| MCISAAC FIN. AND INS. SVCS., INC.3 | 30 CORPORATE PARK, SUITE 306 IRVINE, CA 92606 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 7.57% |
| AMWINS3 Filed as: LISI LLC | 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $559 | $7K | 5.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | METROPOLITAN LIFE INSURANCE COMPANY | $547 | $33 | $580 | 0.43% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $505 | $505 | 0.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 PARK 80, PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $134 | $134 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 6279 TRI RIDGE BOULEVARD, SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5 | $5 | 0.00% |
| MCISAAC FIN. AND INS. SVCS., INC.3 | 30 CORPORATE PARK, SUITE 306 IRVINE, CA 92606 | VSP | $1K | $0 | $1K | 8.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | LOCKBOX 740659 LOS ANGELES, CA 90074 | VSP | $251 | $0 | $251 | 1.64% |
| MCISAAC FIN. AND INS. SVCS., INC.3 | 30 CORPORATE PARK, SUITE 306 IRVINE, CA 92606 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $891 | $0 | $891 | 8.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN, INS. ADMIN., INC. | 701 SOUTH PARKER STREET, 8TH FLOOR ORANGE, CA 92868 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $215 | $0 | $215 | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $184 | $0 | $184 | 1.71% |
| MCISAAC FIN. AND INS. SVCS., INC.3 | 30 CORPORATE PARK, SUITE 306 IRVINE, CA 92606 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $598 | $0 | $598 | 8.53% |
| AMWINS3 Filed as: LISI LLC | 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $328 | $20 | $348 | 4.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $57 | $0 | $57 | 0.81% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $16 | $16 | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 PARK 80, PLAZA 2 SADDLE BROOK, NJ 07663 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $7 | $7 | 0.10% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 190 | $1.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $140K |
| Vision | VSP | 99 | $15K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $144K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $133K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $133K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 190 | $1.7M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.