| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARNETT POWERS & ASSOCIATES INC | 23361 MADERO SUITE 240 MISSION VIEJO, CA 92691 | AETNA LIFE INSURANCE CO | $58K | $0 | $58K | 3.37% |
| GARNETT POWERS & ASSOCIATES INC | 25909 PALA SUITE 120 MISSION VIEJO, CA 92691 | AETNA LIFE INSURANCE CO | $35K | $0 | $35K | 2.06% |
| EMPOWER BENEFITS INC | 3606 ENTERPRISE AVE STE 300 NAPLES, FL 341043670 | VISION SERVICE PLAN | $44K | — | $44K | 10.00% |
| GARNETT POWERS & ASSOCIATES INC | 23361 MADERO SUITE 240 MISSION VIEJO, CA 92691 | AETNA LIFE INSURANCE CO | $574 | $0 | $574 | 5.56% |
| GARNETT POWERS & ASSOCIATES INC | 25909 PALA SUITE 120 MISSION VIEJO, CA 92691 | AETNA LIFE INSURANCE CO | $377 | $0 | $377 | 3.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUECROSS BLUESHIELD EIN 15-0329043 | Claims processing Service code 12 | — | $5.9M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $2.4M |
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 | 16,705 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,274 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 18,979 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | MVP HEALTH CARE | 1,773 | $10.1M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,828 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,828 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.