| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION RD VALENCIA, CA 91355 | CIGNA HEALTH AND LIFE INSURANCE | $12K | $0 | $12K | 0.17% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION RD VALENCIA, CA 91355 | KAISER FOUNDATION HEALTH PLAN | $48K | $0 | $48K | 2.49% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION RD VALENCIA, CA 91355 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $39K | $0 | $39K | 4.00% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION RD VALENCIA, CA 91355 | MUTUAL OF OMAHA INSURANCE COMPANY | $35K | $0 | $35K | 5.00% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION RD VALENCIA, CA 91355 | DELTA DENTAL | $15K | $0 | $15K | 2.48% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION RD VALENCIA, CA 91355 | EXPRESS SCRIPTS, INC. | $4K | $0 | $4K | 2.68% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION RD VALENCIA, CA 91355 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $2K | $0 | $2K | 2.15% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION RD VALENCIA, CA 91355 | THE HARTFORD | $57 | $0 | $57 | 1.01% |
| REUBEN WARNER ASSOCIATES, INC.3 | 28402 CONSTELLATION RD VALENCIA, CA 91355 | THE HARTFORD | $0 | $0 | $0 | 0.00% |
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 | 884 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 899 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE | 820 | $9.7M |
| Dental | DELTA DENTAL | 722 | $588K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,088 | $90K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 1,175 | $705K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 1,175 | $705K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 1,175 | $705K |
| Other(4 contracts, 4 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 1,175 | $953K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,175 | — |
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."
No prospect flags tripped on this filing.