| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | CALIFORNIA PHYSICIANS SERVICE | $105K | — | $105K | 5.26% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | PRESBYTERIAN HEALTH, INC. | $30K | — | $30K | 5.00% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 3.77% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | KAISER FOUNDATION HEALTH PLAN, INC. | $11K | — | $11K | 4.98% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | — | $7K | 4.86% |
| 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 91790 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | 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 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $456 | — | $456 | 10.23% |
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 PHYSICIANS SERVICE | 240 | $3.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 635 | $242K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 635 | $237K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 293 | $57K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 233 | $26K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 233 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 635 | — |
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.
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.