| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIKE HAFFAR INSURANCE SERVICES, INC3 | 150 N GRAND AVE, STE 209 WEST COVINA, CA 91791 | AETNA HEALTH OF CALIFORNIA, INC (A CALIFORNIA CORPORATION) | $69K | — | $69K | 4.59% |
| MIKE HAFFAR INSURANCE SERVICES, INC3 | 150 N GRAND AVE, STE 209 WEST COVINA, CA 91791 | AETNA LIFE INSURANCE CO. | $13K | — | $13K | 4.62% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 2520 NORTHWINDS PKWY STE 600 ALPHARETTA, GA 300092238 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $3K | $11K | 6.67% |
| MIKE HAFFAR INSURANCE SERVICES, INC3 | 150 N GRAND AVE, STE 209 WEST COVINA, CA 91791 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 6.60% |
| MIKE HAFFAR INSURANCE SERVICES, INC | 150 N GRAND AVE, STE 209 WEST COVINA, CA 91791 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $3K | — | $3K | 9.99% |
| GIS BENEFITS INC Filed as: GIS BENEFITS, INC | 2520 NORTHWINDS PKWY STE 600 ALPHARETTA, GA 300092238 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $1K | $499 | $2K | 6.65% |
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 | 228 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 35 | $287K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 707 | $192K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 707 | $162K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 707 | $162K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 707 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 707 | — |
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.