| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TAX & FINANCIAL GROUP BENEFITS3 Filed as: TAX & FINANCIAL GROUP | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | BLUE CROSS OF CALIFORNIA | $44K | — | $44K | 5.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | P.O. BOX 4047 CONCORD, CA 94524 | BLUE CROSS OF CALIFORNIA | — | $3K | $3K | 0.31% |
| TAX & FINANCIAL GROUP BENEFITS3 Filed as: TAX & FINANCIAL GROUP | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $791 | $7K | 17.51% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | $67 | $2K | 11.08% |
| TAX & FINANCIAL GROUP BENEFITS3 Filed as: TAX & FINANCIAL GROUP | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $246 | $2K | 18.63% |
| TAX & FINANCIAL GROUP BENEFITS3 Filed as: TAX & FINANCIAL GROUP | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $741 | $108 | $849 | 15.69% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 72 | $831K |
| Dental | BLUE CROSS OF CALIFORNIA | 72 | $831K |
| Vision | BLUE CROSS OF CALIFORNIA | 72 | $831K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 103 | $36K |
| Short-term disability | AFLAC | 17 | $18K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $40K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 72 | $831K |
| Other(3 contracts, 2 carriers) | AFLAC | 103 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.