| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EKIZIAN & ASSOCIATES INSURANCE3 | SERVICES, INC. 136 TREEHOUSE IRVINE, CA 92603 | ANTHEM BLUE CROSS (ANTHEM) | $56K | — | $56K | 5.01% |
| EKIZIAN & ASSOCIATES INSURANCE3 | SERVICES, INC. 136 TREEHOUSE IRVINE, CA 926030691 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 2.54% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC.-ARIZONA | 7310 N 16TH STREET SUITE 226 PHOENIX, AZ 850208212 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 1.27% |
| EKIZIAN & ASSOCIATES INSURANCE3 | SERVICES, INC. 136 TREEHOUSE IRVINE, CA 92603 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 21.20% |
| EKIZIAN & ASSOCIATES INSURANCE3 | SERVICES, INC. 136 TREEHOUSE IRVINE, CA 92603 | HEALTH NET OF CALIFORNIA, INC. | $0 | — | $0 | — |
| EKIZIAN & ASSOCIATES INSURANCE3 | SERVICES, INC. 136 TREEHOUSE IRVINE, CA 92603 | KAISER FOUNDATION HEALTH PLAN, INC. | $0 | — | $0 | — |
| EKIZIAN & ASSOCIATES INSURANCE3 | SERVICES, INC. 136 TREEHOUSE IRVINE, CA 92603 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | — | $0 | — |
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 | 202 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | ANTHEM BLUE CROSS (ANTHEM) | 128 | $1.4M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $72K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $72K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.