| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOVE BENEFITS INSURANCE SERVICES3 | 9891 IRVINE CENTER DR, SUITE 200 IRVINE, CA 92618 | BLUE CROSS OF CALIFORNIA | $140K | — | $140K | 3.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | BLUE CROSS OF CALIFORNIA | $27K | — | $27K | 0.65% |
| DOVE BENEFITS INSURANCE SERVICES3 | 9891 IRVINE CENTER DR, SUITE 200 IRVINE, CA 92618 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 3.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | ANTHEM LIFE INSURANCE COMPANY | $616 | — | $616 | 0.65% |
| DOVE BENEFITS INSURANCE SERVICES3 | 9891 IRVINE CENTER DR, SUITE 200 IRVINE, CA 92618 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | METROPOLITAN LIFE INSURANCE COMPANY | $508 | $212 | $720 | 0.88% |
| DOVE BENEFITS INSURANCE SERVICES3 | 9891 IRVINE CENTER DR, SUITE 200 IRVINE, CA 92618 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 3.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $420 | — | $420 | 0.64% |
| DOVE BENEFITS INSURANCE SERVICES3 | 9891 IRVINE CENTER DR, SUITE 200 IRVINE, CA 92618 | VISION SERVICE PLAN | $1K | — | $1K | 3.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | VISION SERVICE PLAN | $118 | — | $118 | 0.32% |
| DOVE BENEFITS INSURANCE SERVICES3 | 9891 IRVINE CENTER DR, SUITE 550 IRVINE, CA 92618 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 7.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | METROPOLITAN LIFE INSURANCE COMPANY | $766 | $88 | $854 | 2.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $483 | — | $483 | 15.00% |
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 | 688 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 692 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 552 | $4.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 688 | $147K |
| Vision | VISION SERVICE PLAN | 180 | $37K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 688 | $65K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 285 | $95K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 133 | $37K |
| Other(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 688 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 688 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.