| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST3 | 150 N GRAND AVE WEST COVINA, CA 91791 | AETNA HEALTH OF CALIFORNIA INC. | $60K | — | $60K | 4.04% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | AETNA HEALTH OF CALIFORNIA INC. | $13K | — | $13K | 0.88% |
| PCF INSURANCE SERVICES OF THE WEST3 | 150 N GRAND AVE WEST COVINA, CA 91791 | AETNA LIFE INSURANCE COMPANY | $17K | — | $17K | 4.16% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 0.78% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 6.25% |
| PCF INSURANCE SERVICES OF THE WEST3 | 150 N GRAND AVE WEST COVINA, CA 91791 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 5.47% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $295 | $2K | 0.97% |
| PCF INSURANCE SERVICES OF THE WEST3 | 150 N GRAND AVE WEST COVINA, CA 91791 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $2K | — | $2K | 8.36% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $1K | $272 | $1K | 6.29% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $355 | $36 | $391 | 1.84% |
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 | 372 | 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) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 203 | $1.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 750 | $203K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 750 | $182K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 750 | $182K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 203 | $1.9M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 750 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 750 | — |
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.