| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 4370 LA JOLLA VILLAGE DR. SAN DIEGO, CA 92122 | AETNA HEALTH, INC. | $4K | — | $4K | 0.48% |
| INSURANCE OFFICE OF AMERICA3 | 4370 LA JOLLA VILLAGE DR. SAN DIEGO, CA 92122 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 0.48% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 95 | $1.4M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 57 | $61K |
| Vision | VISION SERVICE PLAN | 73 | $9K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 119 | $10K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 95 | $1.4M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 119 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.