| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLYNN & PIEL INSURANCE SERVICES LLC3 | 10809 THORNMINT RD #A SAN DIEGO, CA 92127 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $70K | — | $70K | 5.08% |
| FLYNN & PIEL INSURANCE SERVICES LLC3 | P.O. BOX 5021127 SAN DIEGO, CA 92150 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $17K | — | $17K | 1.21% |
| FLYNN & PIEL INSURANCE SERVICES LLC3 Filed as: FLYNN & PIEL INSURANCE SERVICES | — | UNITED CONCORDIA INSURANCE COMPANY | $8K | $345 | $8K | 10.62% |
| FLYNN & PIEL INSURANCE SERVICES LLC3 Filed as: FLYNN & PIEL INS SERVICES | — | UNITED CONCORDIA INS COMPANY | $2K | $91 | $2K | 10.28% |
| FLYNN & PIEL INSURANCE SERVICES LLC3 Filed as: FLYNN, PATRICK, JOSEPH | 10809 THORNMINT RD STE A P O BOX 502127 SAN DIEGO, CA 92150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.25% |
| BLOCK, CHARLES, D3 | UNIT 208 648 VILLAGE PARK DR WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $267 | $2K | 9.71% |
| VAN EPPS, JAMES, H3 | 10930 CRABAPPLE RD, STE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $56 | $1K | 8.45% |
| FLYNN & PIEL INSURANCE SERVICES LLC3 Filed as: FLYNN AND PIEL INSURANCE | PO BOX 502127 SAN DIEGO, CA 92150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $458 | — | $458 | 2.72% |
| FLYNN & PIEL INSURANCE SERVICES LLC3 Filed as: FLYNN AND PIEL INSURANCE | PO BOX 502127 SAN DIEGO, CA 92150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 17.88% |
| FLYNN & PIEL INSURANCE SERVICES LLC3 Filed as: FLYNN, PATRICK, JOSEPH | 10809 THORNMINT RD STE A P O BOX 502127 SAN DIEGO, CA 92150 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 21.44% |
| BLOCK, CHARLES, D3 | UNIT 208 648 VILLAGE PARK DR WILMINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $684 | $102 | $786 | 12.34% |
| VAN EPPS, JAMES, H3 | 10930 CRABAPPLE RD, STE 206 ROSWELL, GA 30075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $684 | $22 | $706 | 11.08% |
| FLYNN & PIEL INSURANCE SERVICES LLC3 Filed as: FLYNN AND PIEL INSURANCE | PO BOX 502127 SAN DIEGO, CA 92150 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $337 | — | $337 | 5.29% |
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 | 255 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 254 | $1.4M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 149 | $95K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 254 | $1.4M |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 254 | $1.4M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 33 | $7K |
| Other(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 254 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.