| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M.T. STUART & COMPANY3 Filed as: M.T. STUART & COMPANY INSURANCE | 28494 WESTINGHOUSE PL. VALENCIA, CA 91355 | AETNA HEALTH, INC. | $30K | $3K | $33K | 4.97% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | AETNA HEALTH, INC. | $3K | — | $3K | 0.47% |
| M.T. STUART & COMPANY3 Filed as: M.T. STUART & COMPANY INSURANCE | 28494 WESTINGHOUSE PL VALENCIA, CA 91355 | AETNA LIFE INSURANCE CO. | $23K | — | $23K | 5.37% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 0.63% |
| M.T. STUART & COMPANY3 | 28494 WESTINGHOUSE PLACE, SUITE 205 VALENCIA, CA 91355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 9.13% |
| BENEFITMALL3 Filed as: BENEFITMALL.COM INSURANCE AGENCY | 6200 CANOGA AVENUE SUITE 300 WOODLAND HILLS, CA 91367 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $644 | — | $644 | 4.56% |
| THE HORTON GROUP3 | 5050 LINCOLN DRIVE, SUITE 450 EDINA, MN 55436 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $124 | — | $124 | 0.88% |
| M.T. STUART & COMPANY3 | 28494 WESTINGHOUSE PLACE, SUITE 205 VALENCIA, CA 91355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 8.81% |
| BENEFITMALL3 Filed as: BENEFITMALL.COM INSURANCE AGENCY | 6200 CANOGA AVENUE SUITE 300 WOODLAND HILLS, CA 91367 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $543 | — | $543 | 4.14% |
| THE HORTON GROUP3 | 5050 LINCOLN DRIVE, SUITE 450 EDINA, MN 55436 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $248 | — | $248 | 1.89% |
| M.T. STUART & COMPANY3 | 530 TECHNOLOGY DR, STE 100 IRVINE, CA 92618 | VISION SERVICE PLAN | $1K | — | $1K | 8.38% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | VISION SERVICE PLAN | $195 | — | $195 | 1.61% |
| M.T. STUART & COMPANY3 | 28494 WESTINGHOUSE PLACE, SUITE 205 VALENCIA, CA 91355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $784 | — | $784 | 16.64% |
| BENEFITMALL3 Filed as: BENEFITMALL.COM INSURANCE AGENCY | 6200 CANOGA AVENUE SUITE 300 WOODLAND HILLS, CA 91367 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $196 | — | $196 | 4.16% |
| THE HORTON GROUP3 | 5050 LINCOLN DRIVE, SUITE 450 EDINA, MN 55436 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $158 | — | $158 | 3.35% |
| M.T. STUART & COMPANY3 | 28494 WESTINGHOUSE PLACE, SUITE 205 VALENCIA, CA 91355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $546 | — | $546 | 16.00% |
| THE HORTON GROUP3 | 5050 LINCOLN DRIVE, SUITE 450 EDINA, MN 55436 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $137 | — | $137 | 4.01% |
| BENEFITMALL3 Filed as: BENEFITMALL.COM INSURANCE AGENCY | 6200 CANOGA AVENUE SUITE 300 WOODLAND HILLS, CA 91367 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $136 | — | $136 | 3.98% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 191 | $427K |
| Dental | AETNA LIFE INSURANCE CO. | 191 | $427K |
| Vision | VISION SERVICE PLAN | 83 | $12K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 117 | $27K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 25 | $8K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 117 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.