| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ROY D. BROWN | 21 OROVILLE IRVINE, CA 92602 | BLUE CROSS OF CALIFORNIA | $30K | — | $30K | 3.17% |
| CENTENNIAL GROUP BENEFITS3 | P. O. BOX 26457 SANTA ANA, CA 92799 | BLUE CROSS OF CALIFORNIA | $17K | — | $17K | 1.79% |
| PARTNERS INSURANCE SERVICES3 | 6345 BALBOA BLVD., SUITE 290 ENCINO, CA 91316 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.03% |
| CENTENNIAL GROUP BENEFITS3 | P. O. BOX 26457 SANTA ANA, CA 92799 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.97% |
| LEBHERZ INSURANCE SERVICES INC3 Filed as: LEBHERZ INSURANCE SERVICES INC. | 1600 W. HILLSDALE BLVD., SUITE 201 SAN MATEO, CA 94402 | PRINCIPAL LIFE INSURANCE COMPANY | $820 | $101 | $921 | 5.62% |
| CENTENNIAL GROUP BENEFITS3 | P. O. BOX 26457 SANTA ANA, CA 92799 | PRINCIPAL LIFE INSURANCE COMPANY | $897 | — | $897 | 5.47% |
| JOHN D. RINGER3 | 905 12TH STREET HUNTINGTON BEACH, CA 92648 | PRINCIPAL LIFE INSURANCE COMPANY | $126 | — | $126 | 0.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ROY D. BROWN | 21 OROVILLE IRVINE, CA 92602 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $362 | — | $362 | 3.17% |
| CENTENNIAL GROUP BENEFITS3 | P. O. BOX 26457 SANTA ANA, CA 92799 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $205 | — | $205 | 1.79% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 131 | $932K |
| Dental | BLUE CROSS OF CALIFORNIA | 131 | $932K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 68 | $11K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $16K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 173 | $30K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 173 | $30K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 131 | $932K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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."
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.