| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY MICHAEL MULROY3 | 18575 JAMBOREE ROAD, SUITE 200 IRVINE, CA 92616 | NORTHWESTERN MUTUAL | $7K | $2K | $9K | 9.46% |
| JAMES M KALMBACH3 Filed as: JAMES W. LAURO | 18575 JAMBOREE ROAD, SUITE 200 IRVINE, CA 92612 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 6.31% |
| IAN MAXWELL GORDON3 | 18575 JAMBOREE ROAD, SUITE 200 IRVINE, CA 92612 | NORTHWESTERN MUTUAL | $3K | $319 | $3K | 3.02% |
| IAN MAXWELL GORDON3 Filed as: IAN GORDON INSURANCE SERVICES INC | 18575 JAMBOREE ROAD, SUITE 200 IRVINE, CA 92612 | NORTHWESTERN MUTUAL | $104 | $12 | $116 | 0.12% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES INC | UNKNOWN LANCASTER, PA 17601 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.81% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 176 | $35K |
| Long-term disability | NORTHWESTERN MUTUAL | 178 | $99K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 176 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.