| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST3 | 2745 WEST 600 NORTH LINDON, UT 84042 | BLUE CROSS OF CALIFORNIA | $169K | $0 | $169K | 5.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN INSURANCE ADMIN | 721 SOUTH PARKER STREET ORANGE, CA 92868 | BLUE CROSS OF CALIFORNIA | $0 | $66K | $66K | 2.16% |
| PCF INSURANCE SERVICES OF THE WEST3 | 2745 WEST 600 NORTH LINDON, UT 84042 | STANDARD INSURANCE COMPANY | $2K | $326 | $2K | 11.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN INSURANCE ADMIN | 721 SOUTH PARKER STREET ORANGE, CA 92868 | STANDARD INSURANCE COMPANY | $0 | $399 | $399 | 2.00% |
| PCF INSURANCE SERVICES OF THE WEST3 | 2745 WEST 600 NORTH LINDON, UT 84042 | ANTHEM LIFE INSURANCE COMPANY | $421 | $0 | $421 | 6.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN INSURANCE ADMIN | 721 SOUTH PARKER STREET ORANGE, CA 92868 | ANTHEM LIFE INSURANCE COMPANY | $0 | $84 | $84 | 1.33% |
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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 436 | $3.1M |
| Dental | BLUE CROSS OF CALIFORNIA | 436 | $3.1M |
| Vision | BLUE CROSS OF CALIFORNIA | 436 | $3.1M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 281 | $26K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 436 | $3.1M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 281 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.