| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS. SERVICES, LLC | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | CALIFORNIA PHYSICIANS SERVICE | $0 | $93K | $93K | 5.29% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS. SERVICES, LLC | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN INC | $64K | $0 | $64K | 5.26% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS. SERVICES, LLC | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | PRINCIPAL LIFE INSURANCE COMPANY | $30K | $5K | $35K | 6.94% |
| VENBROOK INSURANCE SERVICES3 | 6320 CANOGA AVENUE, SUITE 1200 WOODLAND HILLS, CA 91367 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $12K | $0 | $12K | 11.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN INS. ADMINISTRATORS | 721 SOUTH PARKER STREET ORANGE, CA 92868 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $0 | $6K | $6K | 5.54% |
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 | 438 | 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) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 275 | $3.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 798 | $508K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 798 | $508K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 798 | $508K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 798 | $508K |
| Prescription drug(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 275 | $3.1M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 798 | $508K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 798 | — |
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.