| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTELLIBENEFITS INSURANCE SERVICES3 | 2522 CHAMBERS ROAD, SUITE 100 TUSTIN, CA 92780 | UNITED HEALTHCARE INSURANCE COMPANY | $31K | $12K | $43K | 7.03% |
| INTELLIBENEFITS INSURANCE SERVICES3 | 2522 CHAMBERS ROAD, SUITE 121 TUSTIN, CA 927806962 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 11.05% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N. MAIN STREET, SUITE 800 SANTA ANA, CA 927056687 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.00% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, INC. | 2 ENTERPRISE DRIVE, SUITE 204 SHELTON, CT 064844657 | PRINCIPAL LIFE INSURANCE COMPANY | — | $28 | $28 | 0.02% |
| INTELLIBENEFITS INSURANCE SERVICES3 | 2522 CHAMBERS ROAD, SUITE 121 TUSTIN, CA 92780 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 13.70% |
| JB CREATIVE SOLUTIONS LLC3 | 3881 FREEMAN WAY PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $490 | $69 | $559 | 32.07% |
| MICHAEL F FAHEY III3 | 103 PALM DRIVE SAN CLEMENTE, CA 92672 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | $39 | $150 | 8.61% |
| INTELLIBENEFITS INSURANCE SERVICES3 | 2522 CHAMBERS ROAD, SUITE 121 TUSSTIN, CA 92780 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | — | $139 | 7.97% |
| JB CREATIVE SOLUTIONS LLC3 | 3881 FREEMAN WAY PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | $28 | $229 | 33.93% |
| MICHAEL F FAHEY III3 | 103 PALM DRIVE SAN CLEMENTE, CA 92672 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $16 | $61 | 9.04% |
| INTELLIBENEFITS INSURANCE SERVICES3 | 2522 CHAMBERS ROAD, SUITE 121 TUSTIN, CA 92780 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 8.44% |
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 | 173 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 177 | $607K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 192 | $125K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 192 | $125K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 192 | $134K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 7 | $2K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 177 | $607K |
| Other(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 175 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.