| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | CALIFORNIA PHYSICIAN'S SERVICE | $84K | — | $84K | 4.85% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | TRUE HEALTH NEW MEXICO | $30K | — | $30K | 5.00% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 3.78% |
| ROBERT E. DUNCAN3 Filed as: ROBERT E DUNCAN | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | KAISER PERMANENTE | $5K | — | $5K | 4.54% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.01% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | KAISER PERMANENTE | $12K | — | $12K | 100.00% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | SAFE GUARD HEALTH PLANS, INC., A CALIFORNIA CORPERATION | $552 | — | $552 | 9.85% |
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 | 215 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CALIFORNIA PHYSICIAN'S SERVICE | 231 | $2.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 629 | $244K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 629 | $239K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 837 | $61K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 215 | $26K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 215 | $38K |
| Prescription drug(4 contracts, 3 carriers) | CALIFORNIA PHYSICIAN'S SERVICE | 231 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 837 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.