| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MILLENNIUM CORPORATE SOLUTIONS3 | 5530 TRABUCO ROAD IRVINE, CA 92620 | HEALTH NET | $28K | — | $28K | 3.72% |
| MILLENNIUM CORPORATE SOLUTIONS3 | 5530 TRABUCO ROAD IRVINE, CA 92620 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| MILLENNIUM CORPORATE SOLUTIONS3 | 5530 TRABUCO ROAD IRVINE, CA 92620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 17.09% |
| THOMAS EDWARD BRADBURY3 Filed as: THOMAS BRADBURY | 35 BLUE HERON DRIVE FLETCHER, NC 28732 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $586 | — | $586 | 2.91% |
| MILLENNIUM CORPORATE SOLUTIONS3 | 5530 TRABUCO ROAD IRVINE, CA 92620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MILLENNIUM CORPORATE SOLUTIONS3 | 5530 TRABUCO ROAD IRVINE, CA 92620 | SAFEGUARD HEALTH PLANS, INC. | $859 | — | $859 | 10.00% |
| MILLENNIUM CORPORATE SOLUTIONS3 | 5530 TRABUCO ROAD IRVINE, CA 92620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $962 | — | $962 | 14.99% |
| MILLENNIUM CORPORATE SOLUTIONS3 | 5530 TRABUCO ROAD IRVINE, CA 92620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $588 | — | $588 | 15.01% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 91 | $745K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 219 | $55K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 219 | $46K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $36K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 22 | $6K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 7 | $4K |
| Prescription drug | HEALTH NET | 91 | $745K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.