| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLYNN & PIEL INSURANCE SERVICES LLC3 Filed as: FLYNN AND PIEL INSURANCE | 10809 THRONMINT RD STE 100 SAN DIEGO, CA 92127 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $753 | — | $753 | 15.00% |
| FLYNN & PIEL INSURANCE SERVICES LLC3 Filed as: FLYNN AND PIEL INSURANCE SERVICES | 10809 THORNMINT RD STE A SAN DIEGO, CA 92127 | ANTHEM LIFE INSURANCE COMPANY | $248 | — | $248 | 5.61% |
| FLYNN & PIEL INSURANCE SERVICES LLC3 | 10809 THORNMINT RD #A SAN DIEGO, CA 92127 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $43K | — | $43K | — |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 314 | $0 |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 314 | $0 |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 314 | $0 |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 79 | $4K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 17 | $5K |
| Other | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 314 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.