| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | KAISER FOUNDATION HEALTH PLAN, INC. | $11K | — | $11K | 0.50% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | BLUE SHIELD OF CALIFORNIA PHYSICIANS SERVICES | $103K | — | $103K | 5.26% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 4.08% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | — | $6K | 5.03% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.03% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 15.00% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $523 | — | $523 | 10.82% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | TRUE HEALTH NEW MEXICO | — | — | $0 | — |
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 | 227 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 239 | $4.3M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 638 | $231K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 638 | $226K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 359 | $64K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 223 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 638 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.