| 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 | $76K | — | $76K | 5.78% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | BLUE CROSS OF CALIFORNIA | — | $26K | $26K | 1.99% |
| M.T. STUART & COMPANY3 | 28494 WESTINGHOUSE PLACE, SUITE 205 VALENCIA, CA 91355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.15% |
| BENEFITMALL3 Filed as: BENEFITMALL.COM INSURANCE AGENCY | 6200 CANOGA AVENUE SUITE 300 WOODLAND HILLS, CA 91367 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $992 | — | $992 | 5.07% |
| 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 | 10.21% |
| BENEFITMALL3 Filed as: BENEFITMALL.COM INSURANCE AGENCY | 6200 CANOGA AVENUE SUITE 300 WOODLAND HILLS, CA 91367 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $598 | — | $598 | 4.98% |
| M.T. STUART & COMPANY3 | 28494 WESTINGHOUSE PLACE, SUITE 205 VALENCIA, CA 91355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 20.35% |
| BENEFITMALL3 Filed as: BENEFITMALL.COM INSURANCE AGENCY | 6200 CANOGA AVENUE SUITE 300 WOODLAND HILLS, CA 91367 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $306 | — | $306 | 5.09% |
| M.T. STUART & COMPANY3 | 28494 WESTINGHOUSE PLACE, SUITE 205 VALENCIA, CA 91355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $647 | — | $647 | 20.01% |
| BENEFITMALL3 Filed as: BENEFITMALL.COM INSURANCE AGENCY | 6200 CANOGA AVENUE SUITE 300 WOODLAND HILLS, CA 91367 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $162 | — | $162 | 5.01% |
| M.T. STUART & COMPANY3 | 530 TECHNOLOGY DR STE 100 IRVINE, CA 92618 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $115 | — | $115 | 5.76% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $40 | $40 | 2.00% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 181 | $1.3M |
| Dental | BLUE CROSS OF CALIFORNIA | 181 | $1.3M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 144 | $15K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 97 | $32K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 12 | $9K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 97 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.