| 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 | $72K | — | $72K | 4.98% |
| FLYNN & PIEL INSURANCE SERVICES LLC3 Filed as: FLYNN & PIEL INS SERVICES | — | UNITED CONCORDIA INSURANCE COMPANY | $8K | — | $8K | 10.13% |
| FLYNN & PIEL INSURANCE SERVICES LLC3 Filed as: FLYNN & PIEL INSURANCE SERVICES | — | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC | $2K | — | $2K | 9.96% |
| FLYNN & PIEL INSURANCE SERVICES LLC3 Filed as: FLYNN AND PIEL INSURANCE | PO BOX 502127 SAN DIEGO, CA 92150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.28% |
| 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 | $478 | — | $478 | 3.45% |
| BLOCK, CHARLES, D3 | UNIT 208 648 VILLAGE PARK DR WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $239 | $6 | $245 | 1.77% |
| VAN EPPS, JAMES, H3 | 10930 CRABAPPLE RD, STE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $239 | $2 | $241 | 1.74% |
| 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 | 15.01% |
| FLYNN & PIEL INSURANCE SERVICES LLC3 Filed as: FLYNN AND PIEL INSURANCE | PO BOX 502127 SAN DIEGO, CA 92150 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 26.59% |
| 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 | $164 | — | $164 | 2.73% |
| BLOCK, CHARLES, D3 | UNIT 208 648 VILLAGE PARK DR WILMINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $82 | $3 | $85 | 1.41% |
| VAN EPPS, JAMES, H3 | 10930 CRABAPPLE RD, STE 206 ROSWELL, GA 30075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $82 | $1 | $83 | 1.38% |
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 | 204 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 245 | $1.4M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 161 | $99K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 245 | $1.4M |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 245 | $1.4M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $8K |
| Other(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 245 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.