| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALKEME INSURANCE SERVICES INC3 Filed as: ALKEME INSURANCE SERVICES, INC. | 26522 LA ALAMEDA, STE 130 MISSION VIEJO, CA 92691 | AETNA HEALTH, INC. | $27K | — | $27K | 2.92% |
| INTEGRATED PARTNERS3 | 26522 LA ALAMEDA, SUITE 130 MISSION VIEJO, CA 92691 | AETNA HEALTH, INC. | $11K | — | $11K | 1.18% |
| HEALTH BENEFIT PARTNERS INSURANCE3 | 26522 LA ALAMEDA, STE 130 MISSION VIEJO, CA 92691 | AETNA HEALTH, INC. | $8K | — | $8K | 0.85% |
| ALKEME INSURANCE SERVICES INC3 Filed as: ALKEME INSURANCE SERVICES, INC. | 26522 LA ALAMEDA, STE 130 MISSION VIEJO, CA 92691 | AETNA LIFE INSURANCE CO. | $11K | — | $11K | 2.91% |
| INTEGRATED PARTNERS3 | 26522 LA ALAMEDA, SUITE 130 MISSION VIEJO, CA 92691 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 1.26% |
| HEALTH BENEFIT PARTNERS INSURANCE3 | 26522 LA ALAMEDA, STE 130 MISSION VIEJO, CA 92691 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 0.85% |
| HEATH BENEFIT PARTNERS INSURANCE3 | 26522 LA ALAMEDA, SUITE 130 MISSION VIEJO, CA 92691 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.37% |
| HEALTH BENEFIT PARTNERS INSURANCE3 | 26522 LA ALAMEDA, SUITE 130 MISSION VIEJO, CA 92691 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.30% |
| 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 | $1K | — | $1K | 3.77% |
| ALKEME INSURANCE SERVICES INC3 Filed as: ALKEME INSURANCE SERVICES, INC. | 26522 LA ALAMEDA, STE 130 MISSION VIEJO, CA 92691 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.73% |
| NGUYEN THANH PHAM3 | 26522 LA ALAMEDA, SUITE 130 MISSION VIEJO, CA 92691 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| HEATH BENEFIT PARTNERS INSURANCE3 | 26522 LA ALAMEDA, SUITE 130 MISSION VIEJO, CA 92691 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| NGUYEN THANH PHAM3 | 26522 LA ALAMEDA, SUITE 130 MISSION VIEJO, CA 92691 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $173 | — | $173 | 7.49% |
| ALKEME INSURANCE SERVICES INC3 Filed as: ALKEME INSURANCE SERVICES, INC. | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $87 | — | $87 | 3.77% |
| HEATH BENEFIT PARTNERS INSURANCE3 | 26522 LA ALAMEDA, SUITE 130 MISSION VIEJO, CA 92691 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $86 | — | $86 | 3.72% |
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 | 158 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 214 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 216 | $92K |
| Vision | AETNA LIFE INSURANCE CO. | 214 | $381K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $31K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $14K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
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.