| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVC OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | CALIFORNIA PHYSICIANS' SERVICE | — | $85K | $85K | 4.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 6.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVC OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| SUSAN GOLD STOKES3 Filed as: SUSAN G STOKES | 17042 PINEHURST LN, #D HUNTINGTON BEACH, CA 92647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $657 | $87 | $744 | 2.96% |
| WENDY DAWN PACK3 | 16109 WATT WAY RAMONA, CA 92065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $543 | $27 | $570 | 2.27% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LN ESONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $243 | $17 | $260 | 1.04% |
| JOHN FRANCIS ENRIGHT3 | 45329 CALLESITO BURGOS TEMCULA, CA 92592 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $167 | — | $167 | 0.67% |
| R & B ENROLLMENT SERVICES INC3 Filed as: R&B ENROLLMENT SERVICES INC | PO BOX 3216 CRESTLINE, CA 92325 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 0.53% |
| MCCAREY INC3 | 965 MESA DR CAMARILLO, CA 93010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $18 | $75 | 0.30% |
| DEL DOWNEY3 | 32056 MERLOT CRST TEMECULA, CA 92591 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | VISION SERVICE PLAN | $1K | — | $1K | 7.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVC OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | HARTFORD LIFE AND ACCIDENT | $143 | — | $143 | 15.05% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 118 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 118 | $155K |
| Vision | VISION SERVICE PLAN | 118 | $20K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $99K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 19 | $25K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $74K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 118 | $2.0M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.