| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | P.O. BOX 5406 SAN CLEMENTE, CA 92674 | ANTHEM BLUE CROSS | $70K | — | $70K | 5.28% |
| AMWINS3 Filed as: LISI LLC | 1600 WEST HILLSDALE BLVD SAN MATEO, CA 94402 | ANTHEM BLUE CROSS | — | $12K | $12K | 0.90% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | P.O. BOX 5406 SAN CLEMENTE, CA 92674 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 9.97% |
| AMWINS3 Filed as: LISI LLC | 1600 WEST HILLSDALE BLVD SAN MATEO, CA 94402 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $768 | $3K | 4.01% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | P.O. BOX 5406 SAN CLEMENTE, CA 92674 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 17.60% |
| DOUGLAS T SMITH3 Filed as: DOUGLAS T. SMITH | 931 CALLE NEGOCIO SUITE J SAN CLEMENTE, CA 92673 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $2K | — | $2K | 3.81% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 111 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 100 | $75K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 100 | $125K |
| Life insurance(3 contracts, 3 carriers) | ANTHEM BLUE CROSS | 111 | $1.5M |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 100 | $125K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 111 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.