| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES OF | 3 HAMILTON LANDING #160 NOVATO, CA 94949 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $49K | — | $49K | 7.62% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $21K | $21K | 3.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS INC | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $2K | $2K | 0.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | PO BOX 3070 RICHMOND, VA 23228 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $2K | $2K | 0.24% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $209 | — | $209 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA INC | 2401 EAST KATELLA AVENUE SUITE 550 ANAHEIM, CA 92806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA INC | 2401 EAST KATELLA AVENUE SUITE 550 ANAHEIM, CA 92806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $866 | $5K | 25.58% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $760 | — | $760 | 4.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA INC | 2401 EAST KATELLA AVENUE SUITE 550 ANAHEIM, CA 92806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $659 | $488 | $1K | 14.48% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $133 | — | $133 | 1.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA INC | 2401 EAST KATELLA AVENUE SUITE 550 ANAHEIM, CA 92806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $533 | $311 | $844 | 13.25% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $104 | — | $104 | 1.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BORWN & BROWN INS SVCS OF CA INC | 2401 EAST KATELLA AVENUE SUITE 550 ANAHEIM, CA 92806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $437 | $2K | 27.85% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $271 | — | $271 | 4.65% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 157 | $1.1M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 157 | $642K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 157 | $642K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 157 | $660K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 14 | $6K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $21K |
| Other(4 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 157 | $674K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.