| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONCEPTS INS AGENCY, INC3 Filed as: BENEFIT CONCEPTS INSURANCE AGENCY | 22931 TRITON WAY, SUITE 237 LAGUNA HILLS, CA 92653 | CALIFORNIA PHYSICIANS SERVICE | $56K | $0 | $56K | 4.59% |
| BENEFIT CONCEPTS INS AGENCY, INC3 Filed as: BENEFIT CONCEPTS INSURANCE AGENCY | 22931 TRITON WAY, SUITE 237 LAGUNA HILLS, CA 92653 | KAISER FOUNDATION HEALTH PLAN, INC. | $18K | $0 | $18K | 5.06% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | $0 | $7K | 2.00% |
| BENEFIT CONCEPTS INS AGENCY, INC3 Filed as: BENEFIT CONCEPTS INSURANCE AGENCY | 22931 TRITON WAY, SUITE 237 LAGUNA HILLS, CA 92653 | DELTA DENTAL OF CALIFORNIA | $17K | $0 | $17K | 10.00% |
| BENEFIT CONCEPTS INS AGENCY, INC3 Filed as: BENEFIT CONCEPTS INSURANCE AGENCY | 22931 TRITON WAY, SUITE 237 LAGUNA HILLS, CA 92653 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.31% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $274 | $0 | $274 | 1.25% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 194 | $1.6M |
| Dental | DELTA DENTAL OF CALIFORNIA | 263 | $166K |
| Vision | VISION SERVICE PLAN | 109 | $22K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 194 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.