| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS W. FARR3 | 23421 S POINTE DRIVE, SUITE 260 LAGUNA HILLS, CA 926531555 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $19K | — | $19K | 15.00% |
| SUREGUARD INSURANCE AGENCY3 | 23421 S POINTE DRIVE, SUITE 260 LAGUNA HILLS, CA 926531555 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 3.45% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 752511800 | HUMANA INSURANCE COMPANY | — | $1K | $1K | 0.80% |
| BXA INSURANCE SERVICES3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 926301771 | HUMANA INSURANCE COMPANY | $687 | — | $687 | 0.54% |
| THOMAS W. FARR3 | 23421 S POINTE DRIVE, SUITE 260 LAGUNA HILLS, CA 926531555 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 16.18% |
| THOMAS W. FARR3 | 23421 S POINTE DRIVE, SUITE 260 LAGUNA HILLS, CA 926531555 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $2K | — | $2K | 15.00% |
| THOMAS & FARR AGENCY INC3 Filed as: THOMAS FARR | 23421 S. POINTE DRIVE, SUITE 260 LAGUNA HILLS, CA 92653 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 15.00% |
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 82 | $127K |
| Vision | HUMANA INSURANCE COMPANY | 82 | $127K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 80 | $16K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 140 | $128K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 199 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.