| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COMPASS LLC3 Filed as: BENEFIT COMPASS, LLC | 1 VENTURE STE 220 IRVINE, CA 926187413 | KAISER FOUNDATION HEALTH PLAN INC. | $114K | $8K | $121K | 4.33% |
| BENEFITCOMPASS LLC3 | 1 VENTURE SUITE 220 IRVINE, CA 92618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $8K | $30K | 10.85% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P. O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $9K | — | $9K | 10.34% |
| BENEFITCOMPASS LLC3 | ONE VENTURE #220 IRVINE, CA 92618 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 5.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMRICAN FIDELITY ASSURANCE COMPANY | P. O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | — | $5K | 7.12% |
| BENEFITCOMPASS LLC3 | ONE VENTURE #220 IRVINE, CA 92618 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 5.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P .O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $6K | — | $6K | 10.79% |
| BENEFITCOMPASS LLC3 | ONE VENTURE #220 IRVINE, CA 92618 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 5.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P. O. BOX 25360 OAKLAHOMA, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 10.07% |
| BENEFITCOMPASS LLC3 | ONE VENTURE #220 IRVINE, CA 92618 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 5.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P. O. BOX 25360 OAKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 16.34% |
| BENEFITCOMPASS LLC3 | ONE VENTURE #220 IRVINE, CA 92618 | AMERICAN FIDELITY ASSURANCE COMPANY | $458 | — | $458 | 5.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P. O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $848 | — | $848 | 21.97% |
| BENEFITCOMPASS LLC3 | ONE VENTURE #220 IRVINE, CA 92618 | AMERICAN FIDELITY ASSURANCE COMPANY | $193 | — | $193 | 5.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P. O. BOX 25360 OAKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $437 | — | $437 | 12.05% |
| BENEFITCOMPASS LLC3 | ONE VENTURE #220 IRVINE, CA 92618 | AMERICAN FIDELITY ASSURANCE COMPANY | $182 | — | $182 | 5.02% |
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 | 547 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 588 | $2.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 517 | $279K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 517 | $279K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 517 | $279K |
| Long-term disability(7 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 74 | $241K |
| Other(8 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 517 | $520K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 588 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.