| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS. SERVICES, LLC | 1800 QUAIL STREET NEWPORT BEACH, CA 92660 | AETNA HEALTH, INC. | $109K | $0 | $109K | 1.81% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS. SERVICES LLC | 1800 QUAIL STREET NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE CO. | $112K | $0 | $112K | 1.89% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS. SERVICES, LLC | 1800 QUAIL STREET NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE CO. | $0 | $17K | $17K | 0.28% |
| DESIGNED PROTECTION INSURANCE SVCS3 Filed as: DESIGNED PROTECTION INSURANCE | 150 N SAN DIMAS AVE #201 SAN DIMAS, CA 91773 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 5.00% |
| DESIGNED PROTECTION INSURANCE SVCS3 Filed as: DESIGNED PROTECTION INSURANCE | 150 N SAN DIMAS AVE #201 SAN DIMAS, CA 91773 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 15.00% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS. SERVICES LLC | 1800 QUAIL STREET, #110 NEWPORT BEACH, CA 92660 | EYEMED VISION CARE | $13K | $0 | $13K | 10.05% |
| BENEFITS AMERICA INSURANCE SER3 | 6320 CANOGA AVE, 12TH FL WOODLAND HILLS, CA 91367 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 10.00% |
| BENEFITS AMERICA INSURANCE SER3 | 1800 QUAIL STREET STE 110 NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $98 | $0 | $98 | 0.75% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS. SERVICES LLC | 1800 QUAIL STREET, #110 NEWPORT BEACH, CA 92660 | EYEMED VISION CARE | $150 | $0 | $150 | 8.85% |
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 | 1,129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 810 | $5.9M |
| Vision(2 contracts) | EYEMED VISION CARE | 2,064 | $129K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,129 | $250K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13 | $13K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,129 | $250K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,129 | $491K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,064 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.