| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVOCATE, INC.3 Filed as: ADVOCATE NAVA BENEFITS | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | BLUE CROSS OF CALIFORNIA | $55K | $12K | $67K | 6.84% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | $0 | $6K | 3.77% |
| BENNIE INSURANCE, LLC3 | 700 CANAL STREET, SUITE 1 STAMFORD, CT 06902 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | $0 | $4K | 2.52% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.84% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| ADVOCATE, INC.3 Filed as: ADVOCATE NAVA BENEFITS | 295 LAFAYETTE STREET, 7TH FLOOR NEW YORK, NY 10012 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 22.28% |
| DENISE M. AVILA WALKER3 Filed as: DENISE MARIE AVILA-WALKER | 2605 ADELITA DRIVE HACIENDA HEIGHTS, CA 91745 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 13.75% |
| STEPHANIE A REYNOSO3 Filed as: STEPHANIE ANN REYNOSO | 21 CERVANTES NEWPORT BEACH, CA 92660 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 8.97% |
| DANIEL AARON MCCONNELL3 | 1534 OSBORN DRIVE WOODLAND, CA 95776 | CONTINENTAL AMERICAN INSURANCE COMPANY | $785 | $0 | $785 | 5.17% |
| C.A. TORRES INSURANCE SERVICES, LLC3 | 26312 VALENZUELA CIRCLE MISSION VIEJO, CA 92691 | CONTINENTAL AMERICAN INSURANCE COMPANY | $483 | $0 | $483 | 3.18% |
| TOMMY C FLEESON3 Filed as: TOMMY CLIFTON FLEESON | 3395 MICHELSON DRIVE APARTMENT 4141 IRVINE, CA 92612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $251 | $0 | $251 | 1.65% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 131 | $1.1M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 176 | $108K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 176 | $93K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 116 | $28K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 116 | $44K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 131 | $1.1M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 116 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
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.