| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCF INSURANCE SERVICES INC3 | 8246 UNIVERSITY AVE LA MESA, CA 91944 | AETNA HEALTH, INC. | $65K | — | $65K | 5.01% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES, | LLC 1600 WEST HILLSDALE BLVD SUITE #201 SAN MATEO, CA 94402 | AETNA HEALTH, INC. | $7K | — | $7K | 0.52% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES, | LLC 2677 N MAIN STREET SANTA ANA, CA 92705 | AETNA HEALTH, INC. | $6K | — | $6K | 0.49% |
| SCF INSURANCE SERVICES INC3 | 8246 UNIVERSITY AVE LA MESA, CA 91944 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 9.06% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES, | LLC 1600 WEST HILLSDALE BLVD SUITE #201 SAN MATEO, CA 94402 | AETNA LIFE INSURANCE CO. | $186 | — | $186 | 0.53% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES, | LLC 2677 N MAIN STREET SANTA ANA, CA 92705 | AETNA LIFE INSURANCE CO. | $171 | — | $171 | 0.48% |
| SCF INSURANCE SERVICES INC3 Filed as: SCF INS SERVICES INC | PO BOX 1300 LA MESA, CA 91944 | HARTFORD LIFE AND ACCIDENT | $792 | — | $792 | 5.04% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | SERVICES,LLC 2677 N MAIN ST STE 800 SANTA ANA, CA 92705 | HARTFORD LIFE AND ACCIDENT | $151 | — | $151 | 0.96% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 108 | $35K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 180 | $16K |
| Other | HARTFORD LIFE AND ACCIDENT | 180 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.