| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WGB BENEFITS INSURANCE SERVICES3 | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | BLUE CROSS OF CALIFORNIA (CONTRACTOR'S PLAN) | $141K | — | $141K | 5.58% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL RD, STE 401 AUSTIN, TX 78726 | BLUE CROSS OF CALIFORNIA (CONTRACTOR'S PLAN) | $27K | — | $27K | 1.06% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | BLUE CROSS OF CALIFORNIA (CONTRACTOR'S PLAN) | $12K | — | $12K | 0.47% |
| WOOD GUTMANN & BOGART INSURANCE3 Filed as: WOOD GUTMANN & BOGART INS BROKERS | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $27 | $4K | 6.45% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 3.81% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $749 | $416 | $1K | 1.89% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | -$2K | $2K | -$155 | -0.25% |
| DIANA LEWIS3 | 28059 US HWY 19 N, SUITE 201 CLEARWATER, FL 33761 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $128 | $6K | 31.36% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $744 | $787 | $2K | 8.09% |
| WOOD GUTMANN & BOGART INSURANCE3 Filed as: WOOD GUTMANN & BOGART INS BROKERS | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $27 | $1K | 5.66% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $744 | $744 | 3.93% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $148 | $146 | $294 | 1.55% |
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 | 556 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 556 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA (CONTRACTOR'S PLAN) | 556 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 123 | $62K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 123 | $62K |
| Life insurance | BLUE CROSS OF CALIFORNIA (CONTRACTOR'S PLAN) | 556 | $2.5M |
| Prescription drug | BLUE CROSS OF CALIFORNIA (CONTRACTOR'S PLAN) | 556 | $2.5M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA (CONTRACTOR'S PLAN) | 556 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.