| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATIONS ROAD VALENCIA, CA 91355 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $106K | $0 | $106K | 3.14% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | KAISER PERMANENTE | $39K | — | $39K | 2.46% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | MUTUAL OF OMAHA INSURANCE COMPANY | $23K | $0 | $23K | 5.00% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | DELTA DENTAL | $11K | $0 | $11K | 2.50% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | EXPRESS SCRIPTS, INC. | $7K | $0 | $7K | 5.78% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $1K | — | $1K | 2.24% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | THE HARTFORD | $316 | $0 | $316 | 16.97% |
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 | 667 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 667 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 598 | $5.0M |
| Dental | DELTA DENTAL | 465 | $427K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 380 | $64K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 667 | $457K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 667 | $457K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 667 | $457K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 19 | $114K |
| Other(4 contracts, 4 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 667 | $637K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 667 | — |
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.