| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | $0 | $35K | 5.03% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 18.61% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES, INC. | 500 YGNACIO VALLEY ROAD, SUITE 450 WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $308 | $0 | $308 | 4.66% |
| SHERRI GUEDEA3 | 1960 ASH DRIVE LAKE HAVASU CITY, AZ 86403 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $22 | $0 | $22 | 1.33% |
| STANLEY KEITH LEVINE INSURANCE3 | 334 CAMINO DE LAS COLINAS REDONDO BEACH, CA 90277 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $22 | $0 | $22 | 1.33% |
| TRACEY A. KEISER-FRAZIER3 | 3753 HOWARD HUGHES PARKWAY LAS VEGAS, NV 86169 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $6 | $0 | $6 | 0.36% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 122 | $700K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 122 | $700K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 122 | $700K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 122 | $702K |
| Short-term disability | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | 7 | $2K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 122 | $700K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 122 | $709K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.