| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MILLENNIUM CORPORATE SOLUTIONS3 | 5530 TRABUCO ROAD IRVINE, CA 92620 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.43% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 5530 TRABUCO ROAD IRVINE, CA 92620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| MILLENNIUM CORPORATE SOLUTIONS3 | 5530 TRABUCO ROAD IRVINE, CA 92620 | AETNA LIFE INSURANCE COMPANY | $668 | — | $668 | 10.38% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 5530 TRABUCO ROAD IRVINE, CA 92620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $385 | — | $385 | 14.99% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD IRVINE, CA 92620 | AFLAC | $49 | — | $49 | 9.39% |
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 | 107 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 184 | $102K |
| Dental | AETNA LIFE INSURANCE COMPANY | 184 | $6K |
| Vision | AETNA LIFE INSURANCE COMPANY | 184 | $6K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 107 | $20K |
| Short-term disability | AFLAC | 9 | $522 |
| Prescription drug(2 contracts, 2 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 184 | $102K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 107 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.