| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBA AND M CORPORATION3 Filed as: EBA&M CORPORATION | 18002 COWAN AVENUE IRVINE, CA 92614 | AMALGAMATGED LIFE INSURANCE COMPANY | $62K | — | $62K | 10.00% |
| GREGORY A. BAKER3 | P.O. BOX 17907 ANAHEIM, CA 92817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 8.00% |
| GREGORY A. BAKER3 | P.O. BOX 17907 ANAHEIM, CA 92817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 8.00% |
| GREGORY A. BAKER3 | P.O. BOX 17907 ANAHEIM, CA 92817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| GREGORY A. BAKER3 | P.O. BOX 17907 ANAHEIM, CA 92817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.00% |
| GREGORY A. BAKER3 | P.O. BOX 17907 ANAHEIM, CA 92817 | UNITED HEALTHCARE, INC. | $3K | — | $3K | 10.00% |
| GREGORY A. BAKER3 | P.O. BOX 17907 ANAHEIM, CA 92817 | ZURICH AMERICAN INSURANCE COMPANY | $568 | — | $568 | 15.01% |
| GREGORY A. BAKER3 | P.O. BOX 17907 ANAHEIM, CA 92817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $292 | — | $292 | 8.00% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $328K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 19 | $4K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 67 | $30K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | AMALGAMATGED LIFE INSURANCE COMPANY | 228 | $649K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.