| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: INFINITY ASSURANCE GROUP | 12 MAUCHLY, BUILDING I IRVINE, CA 92618 | ALLWAYS HEALTH PARTNERS | $18K | — | $18K | 7.05% |
| JOSEPH MORRIS3 | P.O. BOX 3505 MISSION VIEJO, CA 92690 | ANTHEM BLUE CROSS | $4K | — | $4K | 2.83% |
| ASSURANCE AGENCY LTD3 Filed as: INFINITY ASSURANCE GROUP | 12 MAUCHLY, BUILDING I IRVINE, CA 92618 | ANTHEM BLUE CROSS | $2K | — | $2K | 1.26% |
| ASSURANCE AGENCY LTD3 Filed as: INFINITY ASSURANCE GROUP | 12 MAUCHLY, BUILDING I IRVINE, CA 92618 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $479 | $6K | 10.80% |
| CHRISTOPHER C FEAZEL3 Filed as: CHRISTOPHER GUARINO | 99 ROSEWOOD DRIVE DANVERS, MA 01923 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.26% |
| ASSURANCE AGENCY LTD3 Filed as: INFINITY ASSURANCE GROUP | 12 MAUCHLY, BLDG. I IRVINE, CA 92618 | GUARDIAN | $2K | — | $2K | 14.41% |
| ASSURANCE AGENCY LTD3 Filed as: INFINITY ASSURANCE GROUP | 12 MAUCHLY, BUILDING I IRVINE, CA 92618 | VISION SERVICE PLAN | $855 | — | $855 | 5.80% |
| ASSURANCE AGENCY LTD3 Filed as: INFINITY ASSURANCE GROUP | 12 MAUCHLY, BLDG. I IRVINE, CA 92618 | GUARDIAN | $2K | — | $2K | 14.28% |
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 | 406 | 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) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALLWAYS HEALTH PARTNERS | 50 | $398K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 143 | $53K |
| Vision | VISION SERVICE PLAN | 113 | $15K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 406 | $61K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 406 | $61K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 98 | $32K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 406 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.