| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORGAN & FRANZ INSURANCE AND FINANC3 Filed as: MORGAN & FRANZ INSURANCE &FINANCIAL | 10606 N TRADEMARK PKWY N SUITE 201A RANCHO CUCAMONGA, CA 91730 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | $0 | $32K | 5.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS LLC | 3677 N MAIN STREET SUITE 800 SANTA ANA, CA 92705 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 1.00% |
| MORGAN & FRANZ INSURANCE AND FINANC3 Filed as: MORGAN & FRANZ INSURANCE &FINANCIAL | P.O. BOX 1567 RANCHO CUCAMONGA, CA 91729 | KAISER FOUNDATION HEALTH PLAN, INC | $10K | $0 | $10K | 4.68% |
| ARWINS CONNECT INSURANCE SERVICES3 | 2677 N MAIN ST STE 800 SANTA ANA, CA 92705 | KAISER FOUNDATION HEALTH PLAN, INC | $3K | $0 | $3K | 1.44% |
| MORGAN & FRANZ INSURANCE AND FINANC3 Filed as: MORGAN & FRANZ INSURANCE & FIN | 10606 N TRADEMARK PKWY N SUITE 201 RANCHO CUCAMONGA, CA 91730 | HUMANA INSURANCE COMPANY | $17K | $0 | $17K | 19.31% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE STE 4005 DALLAS, TX 75251 | HUMANA INSURANCE COMPANY | $0 | $314 | $314 | 0.35% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 66 | $860K |
| Dental | HUMANA INSURANCE COMPANY | 153 | $91K |
| Vision | HUMANA INSURANCE COMPANY | 153 | $91K |
| Life insurance | HUMANA INSURANCE COMPANY | 153 | $91K |
| Other | HUMANA INSURANCE COMPANY | 153 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.