| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JWC INSURANCE3 Filed as: JWC INSURANCE SERVICES, INC. | 22921 TRITON WAY SUITE 231 LAGUNA HILLS, CA 92653 | ANTHEM BLUE CROSS OF CALIFORNIA | $34K | — | $34K | 5.78% |
| LBL INSURANCE SERVICES INC3 Filed as: LBL INSURANCE SERVICES, INC | 3631 S HARBOR DR SUITE 200 SANTA ANA, CA 90720 | ANTHEM BLUE CROSS OF CALIFORNIA | $5K | — | $5K | 0.89% |
| LBL INSURANCE SERVICES INC3 Filed as: LBL INSURANCE SERVICES, INC | 3631 S. HARBOR BLVD., SUITE 200 SANTA ANA, CA 92704 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 6.19% |
| JWC INSURANCE3 | 22921 TRITON WAY SUITE 231 LAGUNA HILLS, CA 92653 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 3.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE | 721 SOUTH PARKER SUITE 300 ORANGE, CA 92668 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 1.49% |
| LBL INSURANCE SERVICES INC3 | 3631 SOUTH HARBOR BLVD SUITE 200 SANTA ANA, CA 92704 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.38% |
| JWC INSURANCE3 Filed as: JWC INSURANCE SERVICES, INC | 22921 TRITON WAY SUITE 231 LAGUNA HILLS, CA 92653 | METROPOLITAN LIFE INSURANCE COMPANY | $273 | — | $273 | 1.06% |
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 | 276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS OF CALIFORNIA | 116 | $584K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,694 | $155K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 443 | $26K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 443 | $26K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 443 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,694 | — |
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.