| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTENNIAL GROUP BENEFITS3 | 245 FISHER AVENUE, SUITE A2 COSTA MESA, CA 92626 | CALIFORNIA PHYSICIANS' SERVICE | $69K | $0 | $69K | 3.71% |
| BENEFITS AMERICA INS. SVCS., LLC3 | 6320 CANOGA AVENUE, 12TH FLOOR WOODLAND HILLS, CA 91367 | CALIFORNIA PHYSICIANS' SERVICE | $24K | $0 | $24K | 1.29% |
| VENBROOK INSURANCE SERVICES3 | 6320 CANOGA AVENUE, 12TH FLOOR WOODLAND HILLS, CA 91367 | CALIFORNIA PHYSICIANS' SERVICE | $8K | $0 | $8K | 0.43% |
| CENTENNIAL GROUP BENEFITS3 | PO BOX 26457 SANTA ANA, CA 92799 | KAISER FOUNDATION HEALTH PLAN INC | $32K | $0 | $32K | 3.80% |
| BENEFITS AMERICA INS. SVCS., LLC3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN INC | $10K | $0 | $10K | 1.21% |
| CENTENNIAL GROUP BENEFITS3 | PO BOX 26457 SANTA ANA, CA 92799 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | $0 | $23K | 4.35% |
| VENBROOK INSURANCE SERVICES3 | 6320 CANOGA AVENUE, 12TH FLOOR WOODLAND HILLS, CA 91367 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.88% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | PRINCIPAL LIFE INSURANCE COMPANY | $271 | $0 | $271 | 0.05% |
| MATTHEW W. HANSON3 Filed as: MATTHEW W HANSON | 5254 PAOLI WAY LONG BEACH, CA 90803 | AETNA | $3K | $0 | $3K | 2.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN INS ADMIN INC | 721 SOUTH PARKER, SUITE 300 ORANGE, CA 92868 | AETNA | $983 | $0 | $983 | 0.66% |
| BENEFITS AMERICA INS. SVCS., LLC3 | 1800 QUAIL STREET NEWPORT BEACH, CA 92660 | AETNA | $900 | $0 | $900 | 0.61% |
| CENTENNIAL GROUP BENEFITS3 | PO BOX 26457 SANTA ANA, CA 92799 | UNION SECURITY INSURANCE COMPANY | $15K | $0 | $15K | 38.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD AND ASSOCIATES, INC. | 3800 NORTH CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 85012 | UNITEDHEALTHCARE INSURANCE COMPANY | $872 | $0 | $872 | 3.40% |
| BENEFITS AMERICA INS. SVCS., LLC3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | UNITEDHEALTHCARE INSURANCE COMPANY | $330 | $0 | $330 | 1.29% |
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 | 428 | 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) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 316 | $2.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 771 | $524K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 771 | $524K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 771 | $524K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 771 | $524K |
| Prescription drug(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 316 | $2.7M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 771 | $563K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 771 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.