| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONCEPTS INS AGENCY, INC3 | 22931 TRITON WAY, SUITE 237 LAGUNA HILLS, CA 92653 | CALIFORNIA PHYSICIANS SERVICE | $33K | $0 | $33K | 2.50% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | 12712 PARK CENTRAL DRIVE SUITE 100 DALLAS, TX 75251 | CALIFORNIA PHYSICIANS SERVICE | $27K | $0 | $27K | 2.07% |
| BENEFIT CONCEPTS INS AGENCY, INC3 | 22931 TRITON WAY, SUITE 237 LAGUNA HILLS, CA 92653 | KAISER FOUNDATION HEALTH PLAN, INC. | $10K | $0 | $10K | 2.78% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | 2727 GRAND PRAIRIE PARKWAY SUITE 100 WAUKEE, IA 50263 | KAISER FOUNDATION HEALTH PLAN, INC. | $8K | $0 | $8K | 2.09% |
| AMWINS3 Filed as: AMWINS CONNECT INS. SERVICES, LLC | 2677 NORTH MAIN STREET SUITE 800 SANTA ANA, CA 92705 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | $0 | $4K | 1.20% |
| BENEFIT CONCEPTS INS AGENCY, INC3 | 22931 TRITON WAY, SUITE 237 LAGUNA HILLS, CA 92653 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.93% |
| AMWINS3 Filed as: LISI LLC | 2677 NORTH MAIN STREET SUITE 800 SANTA ANA, CA 92705 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $695 | $5K | 3.48% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.22% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $872 | $3K | 2.25% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.84% |
| TIMOTHY SWEANY3 | 22931 TRITON WAY LAGUNA HILLS, CA 92653 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 9.05% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 5.96% |
| ENROLLEASE3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | HUMANA INSURANCE COMPANY | $524 | $0 | $524 | 1.54% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | VISION SERVICES PLAN | $848 | $0 | $848 | 4.35% |
| BENEFIT CONCEPTS INS AGENCY, INC3 | 22931 TRITON WAY, SUITE 237 LAGUNA HILLS, CA 92653 | VISION SERVICES PLAN | $612 | $0 | $612 | 3.14% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICES PLAN | $158 | $0 | $158 | 0.81% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICES PLAN | $34 | $0 | $34 | 0.17% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 210 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 255 | $135K |
| Vision | VISION SERVICES PLAN | 2 | $19K |
| Life insurance | HUMANA INSURANCE COMPANY | 78 | $34K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 210 | $1.7M |
| Other | HUMANA INSURANCE COMPANY | 78 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.