| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTELLIBENEFITS INSURANCE SERVICES3 Filed as: INTELLIBENEFITS INS SERVICES, INC. | 2522 CHAMBERS ROAD, SUITE 121 TUSTIN, CA 92780 | AETNA HEALTH, INC. | $12K | $0 | $12K | 4.06% |
| INTELLIBENEFITS INSURANCE SERVICES3 Filed as: INTELLIBENEFITS INS SERVICES, INC. | 2522 CHAMBERS ROAD, SUITE 121 TUSTIN, CA 92780 | AETNA LIFE INSURANCE CO. | $6K | $0 | $6K | 4.06% |
| INTELLIBENEFITS INSURANCE SERVICES3 Filed as: INTELLIBENEFITS INS SERVICES, INC. | 2522 CHAMBERS ROAD, SUITE 121 TUSTIN, CA 92780 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 11.35% |
| JB CREATIVE SOLUTIONS LLC3 Filed as: JB CREATIVE SOLUTIONS, LLC | 3881 FREEMAN WAY PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $470 | $8 | $478 | 11.68% |
| INTELLIBENEFITS INSURANCE SERVICES3 Filed as: INTELLIBENEFITS INS SERVICES, INC. | 2522 CHAMBERS ROAD, SUITE 121 TUSTIN, CA 92780 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $318 | $0 | $318 | 7.77% |
| MICHAEL F FAHEY III3 Filed as: MICHAEL F. FAHEY LII | 103 PALM DRIVE SAN CLEMENTE, CA 92672 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $26 | $93 | 2.27% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 92 | $431K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $65K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $65K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $65K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 7 | $4K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 92 | $431K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 7 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.