| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J MOREY AIHARA INSURANCE3 | SERVICES LLC 250 E. FIRST STREET, 801 LOS ANGELES, CA 90012 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $49K | — | $49K | 6.03% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | SERVICES 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $16K | $16K | 2.01% |
| AIHARA & ASSOCIATES INSURANCE3 | SERVICES INC 250 E FIRST ST #801 LOS ANGELES, CA 90012 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $21 | — | $21 | 0.00% |
| ALLIANCE 360 INSURANCE SOLUTIONS3 | DBA ALLIANCE 360 10833 VALLEY VIEW ST STE 550 CYPRESS, CA 906305056 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 12.37% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | SERVICES DBA BENEFITMALL 12404 PARK CENTRAL DR STE 400S DALLAS, TX 752511800 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $3K | $8K | 7.78% |
| NTH INSURANCE AGENCY INC.3 | 10833 VALLEY VIEW SUITE 550 CYPRESS, CA 90630 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $741 | — | $741 | 3.00% |
| CHARLES BOGUE3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $74 | — | $74 | 0.30% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 223 | $811K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $102K |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 223 | $914K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $102K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.