| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | CIGNA HEALTH AND LIFE INSURANCE | $102K | $0 | $102K | 2.62% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | KAISER FOUNDATION HEALTH PLAN | $52K | $0 | $52K | 2.49% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $30K | $0 | $30K | 4.06% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | MUTUAL OF OMAHA INSURANCE COMPANY | $32K | $0 | $32K | 5.00% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | DELTA DENTAL | $12K | $0 | $12K | 2.57% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | EXPRESS SCRIPTS, INC. | $5K | $0 | $5K | 5.39% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $2K | $0 | $2K | 2.12% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | THE HARTFORD | $0 | $75 | $75 | 42.86% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | THE HARTFORD | $26 | $0 | $26 | 14.86% |
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 | 918 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 918 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE | 700 | $6.7M |
| Dental | DELTA DENTAL | 626 | $466K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 528 | $84K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 936 | $644K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 936 | $644K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 936 | $644K |
| Other(4 contracts, 4 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 936 | $820K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 936 | — |
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.