| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONCEPTS INS AGENCY, INC3 Filed as: BENEFIT CONCEPTS INS. AGENCY, INC. | 22931 TRITON WAY LAGUNA HILLS, CA 92653 | AETNA LIFE INSURANCE COMPANY | $40K | — | $40K | 5.00% |
| LEBHERZ INSURANCE SERVICES INC3 Filed as: LEBHERZ INSURANCE SERVICES, INC. | UNKNOWN SAN MATEO, CA 94402 | AETNA LIFE INSURANCE COMPANY | $22K | — | $22K | 2.76% |
| WELLS FARGO INSURANCE SERVICES3 | 21250 HAWTHORNE BOULEVARD TORRANCE, CA 90503 | AETNA LIFE INSURANCE COMPANY | $324 | — | $324 | 0.04% |
| BENEFIT CONCEPTS INS AGENCY, INC3 Filed as: BENEFIT CONCEPTS INS. AGENCY, INC. | 22931 TRITON WAY SUITE 237 LAGUNA HILLS, CA 92653 | EYEMED VISION CARE | $692 | — | $692 | 9.11% |
| WELLS FARGO INSURANCE SERVICES3 | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | EYEMED VISION CARE | $63 | — | $63 | 0.83% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 93 | $810K |
| Dental | AETNA LIFE INSURANCE COMPANY | 93 | $810K |
| Vision | EYEMED VISION CARE | 147 | $8K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 93 | $810K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 93 | $810K |
| Other | AETNA LIFE INSURANCE COMPANY | 93 | $810K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.