| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| B&G PENSION AND INSURANCE SERVICES3 | 2222 MARTIN, SUITE 265 IRVINE, CA 92612 | HEALTH NET | $97K | — | $97K | 4.99% |
| B&G PENSION AND INSURANCE SERVICES3 | 2222 MARTIN, SUITE 265 IRVINE, CA 92612 | KANSAS CITY LIFE INSURANCE COMPANY | $13K | — | $13K | 14.00% |
| B&G PENSION AND INSURANCE SERVICES3 | 2222 MARTIN, SUITE 265 IRVINE, CA 92612 | GOLDEN WEST HEALTH PLAN, INC. | $6K | — | $6K | 6.99% |
| B&G PENSION AND INSURANCE SERVICES3 | 2222 MARTIN, SUITE 265 IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 9.92% |
| B&G PENSION AND INSURANCE SERVICES3 | 2222 MARTIN, SUITE 265 IRVINE, CA 92612 | AMERICAN FIDELITY ASSURANCE COMPANY | $452 | — | $452 | 7.96% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $58 | — | $58 | 1.02% |
| B&G PENSION AND INSURANCE SERVICES3 | 2222 MARTIN, SUITE 265 IRVINE, CA 92612 | AMERICAN FIDELITY ASSURANCE COMPANY | $155 | — | $155 | 8.01% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $34 | — | $34 | 1.76% |
| B&G PENSION AND INSURANCE SERVICES3 | 2222 MARTIN, SUITE 265 IRVINE, CA 92612 | AMERICAN FIDELITY ASSURANCE COMPANY | $62 | — | $62 | 4.98% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $23 | — | $23 | 1.85% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $313 | — | $313 | 29.04% |
| B&G PENSION AND INSURANCE SERVICES3 | 2222 MARTIN, SUITE 265 IRVINE, CA 92612 | AMERICAN FIDELITY ASSURANCE COMPANY | $54 | — | $54 | 5.01% |
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 | 437 | 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) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 262 | $1.9M |
| Dental | GOLDEN WEST HEALTH PLAN, INC. | 357 | $83K |
| Life insurance(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 437 | $105K |
| Short-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 106 | $93K |
| Long-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 106 | $93K |
| Prescription drug | HEALTH NET | 262 | $1.9M |
| Other(4 contracts, 3 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 437 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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 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.