| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: INFINITY ASSURANCE GROUP | 12 MAUCHLY, BUILDING I IRVINE, CA 92618 | NEIGHBORHOOD HEALTH PLAN, INC. | $11K | — | $11K | 4.47% |
| COLONIAL LIFE & ACCIDENT3 | P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35K | $6K | $41K | 43.22% |
| ASSURANCE AGENCY LTD3 Filed as: INFINITY ASSURANCE GROUP | 12 MAUCHLY, BUILDING I IRVINE, CA 92618 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 5.13% |
| ASSURANCE AGENCY LTD3 Filed as: INFINITY ASSURANCE GROUP | 12 MAUCHLY, BUILDING I IRVINE, CA 92618 | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 8.00% |
| ASSURANCE AGENCY LTD3 Filed as: INFINITY ASSURANCE GROUP | 12 MAUCHLY, BUILDING I IRVINE, CA 92618 | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 10.02% |
| CHRISTOPHER C FEAZEL3 Filed as: CHRISTOPHER GUARINO | 99 ROSEWOOD DRIVE DANVERS, MA 01923 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.52% |
| ASSURANCE AGENCY LTD3 Filed as: INFINITY ASSURANCE GROUP | 12 MAUCHLY, BUILDING I IRVINE, CA 92618 | VISION SERVICE PLAN | $778 | — | $778 | 7.22% |
| THE PAUL REVERE LIFE INSURANCE3 Filed as: PAUL REVERE LIFE | P.O. BOX 1365 COLUMBIA, SC 29202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $322 | $19 | $341 | 19.28% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NEIGHBORHOOD HEALTH PLAN, INC. | 49 | $313K |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 82 | $49K |
| Vision | VISION SERVICE PLAN | 112 | $11K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 125 | $117K |
| Short-term disability(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 125 | $117K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 67 | $21K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 125 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.