| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE COMPANY | $43K | $12K | $55K | 5.89% |
| DESIGNED PROTECTION INSURANCE SVCS3 | 150 NORTH SAN DIMAS AVENUE #201 SAN DIMAS, CA 91773 | KAISER FOUNDATION HEALTH PLAN, INC. | $9K | $0 | $9K | 5.06% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET #110 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $836 | $25K | 14.16% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET NEWPORT BEACH, CA 92660 | AETNA HEALTH OF CALIFORNIA, INC. | $6K | $0 | $6K | 4.67% |
| DESIGNED PROTECTION INSURANCE SVCS3 | 150 NORTH SAN DIMAS AVENUE #201 SAN DIMAS, CA 91773 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | $0 | $2K | 6.46% |
| DESIGNED PROTECTION INSURANCE SVCS3 | 150 NORTH SAN DIMAS AVENUE #201 SAN DIMAS, CA 91773 | KAISER FOUNDATION HEALTH PLAN, INC. | $709 | $0 | $709 | 5.05% |
| DESIGNED PROTECTION INSURANCE SVCS3 | 150 NORTH SAN DIMAS AVENUE #201 SAN DIMAS, CA 91773 | KAISER FOUNDATION HEALTH PLAN, INC. | $89 | $0 | $89 | 1.84% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET #110 NEWPORT BEACH, CA 92660 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $350 | $19 | $369 | 13.51% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET #110 NEWPORT BEACH, CA 92660 | SAFEGUARD HEALTH PLANS, INC. A TEXAS CORPORATION | $43 | $2 | $45 | 12.50% |
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 | 99 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 148 | $1.3M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $183K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $180K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $180K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $180K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $180K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.