| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM BRYANT3 | 6285 E. SPRING STREET LONG BEACH, CA 90808 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $37K | — | $37K | 7.48% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE ADVISORS | 4000 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | — | $20K | 4.03% |
| AMWINS3 Filed as: LISI, INC. | 2677 N. MAIN STREET SANTA ANA, CA 92705 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $19K | $19K | 3.84% |
| OAKBRIDE ADVISORS3 | 4000 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $6K | $16K | 6.85% |
| WILLIAM BRYANT3 | 3291 LAME AVENUE LONG BEACH, CA 90808 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 3.24% |
| WILLIAM BRYANT3 | 6285 E. SPRIND STREET LONG BEACH, CA 90808 | COPOWER | $450 | — | $450 | 6.50% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE ADVISORS | 4000 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | COPOWER | $242 | — | $242 | 3.50% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 109 | $494K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $239K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $246K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $239K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.