| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED PARTNERS3 | 26522 LA ALAMEDA, SUITE 130 MISSION VIEJO, CA 92691 | AETNA HEALTH, INC. | $36K | — | $36K | 4.92% |
| INTEGRATED PARTNERS3 | 26522 LA ALAMEDA, SUITE 130 MISSION VIEJO, CA 92691 | AETNA LIFE INSURANCE CO. | $16K | — | $16K | 5.13% |
| HEATH BENEFIT PARTNERS INSURANCE3 | 26522 LA ALAMEDA, SUITE 130 MISSION VIEJO, CA 92691 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $394 | $2K | 2.74% |
| INTEGRATED PARTNERS3 Filed as: INTEGRATED PARTNERS INSURANCE | 26522 LA ALAMEDA, SUITE 130 MISSION VIEJO, CA 92691 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.27% |
| NGUYEN THANH PHAM3 | 26522 LA ALAMEDA, SUITE 130 MISSION VIEJO, CA 92691 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| HEATH BENEFIT PARTNERS INSURANCE3 | 26522 LA ALAMEDA, SUITE 130 MISSION VIEJO, CA 92691 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| NGUYEN THANH PHAM3 | 26522 LA ALAMEDA, SUITE 130 MISSION VIEJO, CA 92691 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $908 | — | $908 | 7.50% |
| HEATH BENEFIT PARTNERS INSURANCE3 | 26522 LA ALAMEDA, SUITE 130 MISSION VIEJO, CA 92691 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $908 | — | $908 | 7.50% |
| NGUYEN THANH PHAM3 | 26522 LA ALAMEDA, SUITE 130 MISSION VIEJO, CA 92691 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $160 | — | $160 | 7.48% |
| HEATH BENEFIT PARTNERS INSURANCE3 | 26522 LA ALAMEDA, SUITE 130 MISSION VIEJO, CA 92691 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $160 | — | $160 | 7.48% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 198 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 204 | $84K |
| Vision | AETNA LIFE INSURANCE CO. | 198 | $316K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $12K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.