| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M.T. STUART & COMPANY3 | 530 TECHNOLOGY DR STE 100 IRVINE, CA 92618 | BLUE CROSS OF CALIFORNIA | $78K | — | $78K | 5.86% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | BLUE CROSS OF CALIFORNIA | — | $40K | $40K | 2.98% |
| M.T. STUART & COMPANY3 | 28494 WESTINGHOUSE PLACE, SUITE 205 VALENCIA, CA 91355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BENEFITMALL3 Filed as: BENEFITMALL.COM INSURANCE AGENCY | 6200 CANOGA AVENUE SUITE 300 WOODLAND HILLS, CA 91367 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $959 | — | $959 | 5.00% |
| M.T. STUART & COMPANY3 | 28494 WESTINGHOUSE PLACE, SUITE 205 VALENCIA, CA 91355 | VISION SERVICE PLAN | $1K | — | $1K | 10.03% |
| M.T. STUART & COMPANY3 | 28494 WESTINGHOUSE PLACE, SUITE 205 VALENCIA, CA 91355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 11.00% |
| BENEFITMALL3 Filed as: BENEFITMALL.COM INSURANCE AGENCY | 6200 CANOGA AVENUE SUITE 300 WOODLAND HILLS, CA 91367 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $477 | — | $477 | 5.00% |
| M.T. STUART & COMPANY3 | 28494 WESTINGHOUSE PLACE, SUITE 205 VALENCIA, CA 91355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $899 | — | $899 | 20.00% |
| BENEFITMALL3 Filed as: BENEFITMALL.COM INSURANCE AGENCY | 6200 CANOGA AVENUE SUITE 300 WOODLAND HILLS, CA 91367 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $225 | — | $225 | 5.00% |
| M.T. STUART & COMPANY3 | 28494 WESTINGHOUSE PLACE, SUITE 205 VALENCIA, CA 91355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $741 | — | $741 | 19.99% |
| BENEFITMALL3 Filed as: BENEFITMALL.COM INSURANCE AGENCY | 6200 CANOGA AVENUE SUITE 300 WOODLAND HILLS, CA 91367 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $185 | — | $185 | 4.99% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 98 | $1.3M |
| Dental | BLUE CROSS OF CALIFORNIA | 98 | $1.3M |
| Vision | VISION SERVICE PLAN | 85 | $13K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 123 | $29K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 23 | $8K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 123 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.