| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH MANAGMENT OPTIONS3 | 2401A WATERMAN BLVD. FAIRFIELD, CA 94533 | CALIFORNIA PHYSICIANS SERVICE | — | $34K | $34K | 2.66% |
| DOXSEE FOSTER & ASSOCIATES3 | 600 HAMPSHIRE ROAD WESTLAKE VILLAGE, CA 91359 | CALIFORNIA PHYSICIANS SERVICE | — | $31K | $31K | 2.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | 701 S PARKER STREET ORANGE, CA 92868 | CALIFORNIA PHYSICIANS SERVICE | — | $27K | $27K | 2.11% |
| DOXSEE FOSTER & ASSOCIATES3 | 600 HAMPSHIRE ROAD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | — | $6K | 1.34% |
| HEALTH MANAGMENT OPTIONS3 | 2401A WATERMAN BLVD. FAIRFIELD, CA 94533 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | — | $6K | 1.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | 721 S. PARKER STREET ORANGE, CA 92868 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | $15 | $3K | 0.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | 721 S. PARKER STREET ORANGE, CA 92868 | HUMANA, INC. | $12K | — | $12K | 4.94% |
| HEALTH MANAGMENT OPTIONS3 | 2401A WATERMAN BLVD. FAIRFIELD, CA 94533 | HUMANA, INC. | $12K | — | $12K | 4.90% |
| DOXSEE FOSTER & ASSOCIATES3 | 600 HAMPSHIRE ROAD WESTLAKE VILLAGE, CA 91361 | HUMANA, INC. | $12K | — | $12K | 4.87% |
| COLONIAL LIFE & ACCIDENT3 | P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $6K | $21K | 40.44% |
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 | 310 | 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) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 167 | $1.8M |
| Dental | HUMANA, INC. | 310 | $245K |
| Vision | HUMANA, INC. | 310 | $245K |
| Life insurance(2 contracts, 2 carriers) | HUMANA, INC. | 310 | $296K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 30 | $51K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 167 | $1.8M |
| Other(2 contracts, 2 carriers) | HUMANA, INC. | 310 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.