| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLYNN & PIEL INSURANCE SERVICES LLC3 | P.O. BOX 502127 SAN DIEGO, CA 92150 | BLUE CROSS OF CALIFORNIA | $48K | — | $48K | 4.00% |
| FLYNN & PIEL INSURANCE SERVICES LLC3 Filed as: FLYNN & PIEL INS SERVICES | — | UNITED CONCORDIA INS COMPANY | $6K | — | $6K | 9.93% |
| FLYNN & PIEL INSURANCE SERVICES LLC3 | P.O. BOX 5021127 SAN DIEGO, CA 92150 | ANTHEM BLUE CROSS LIFE AND HEALTH | $48K | — | $48K | 183.94% |
| FLYNN & PIEL INSURANCE SERVICES LLC3 Filed as: FLYNN & PIEL INS SERVICES | — | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA | $2K | — | $2K | 10.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH & HUMAN RESOURCE CENTER INC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVE HARFORD, CT 06156 | $0 |
| HEALTH AND HUMAN RESOURCE CENTER PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $0 |
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 | 194 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 161 | $1.2M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INS COMPANY | 183 | $83K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH | 250 | $26K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH | 250 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.
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.