| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| B&G PENSION AND INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | HEALTH NET | $112K | — | $112K | 4.82% |
| B&G PENSION AND INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | GOLDEN WEST HEALTH PLAN, INC. | $6K | — | $6K | 5.91% |
| B&G PENSION AND INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | KANSAS CITY LIFE INSURANCE COMPANY | $8K | — | $8K | 14.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | — | $3K | $3K | 6.00% |
| B&G PENSION AND INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| B&G PENSION AND INSURANCE SERVICES3 | 2222 MARTIN SUITE 265 IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| NORTH AMERICAN BENEFITS COMPANY3 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $667 | $667 | 5.00% |
| B&G PENSION AND INSURANCE SERVICES3 | PO BOX 130127 CARLSBAD, CA 92013 | AMERICAN FIDELITY ASSURANCE COMPANY | $297 | — | $297 | 8.15% |
| B&G PENSION AND INSURANCE SERVICES3 | 2222 MARTIN SUITE 265 IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $64 | — | $64 | 15.06% |
| NORTH AMERICAN BENEFITS COMPANY3 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $21 | $21 | 4.94% |
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 | 427 | 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) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 229 | $2.3M |
| Dental | GOLDEN WEST HEALTH PLAN, INC. | 296 | $103K |
| Life insurance(4 contracts, 3 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 427 | $91K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 71 | $58K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 71 | $58K |
| Prescription drug | HEALTH NET | 229 | $2.3M |
| Other(4 contracts, 4 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 427 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.