| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PRO INSURANCE SERVICES, INC3 Filed as: BENEFIT PRO INSURANCE SERVICES INC | 2655 CAMINO DEL RIO NORTH SUITE 425 SAN DIEGO, CA 92108 | AETNA HEALTH, INC | $60K | — | $60K | 5.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INC | 721 SOUTH PARKER ST SUITE 300 ORANGE, CA 92868 | AETNA HEALTH, INC | $22K | — | $22K | 1.99% |
| BENEFIT PRO INSURANCE SERVICES, INC3 Filed as: BENEFIT PRO INSURANCE SERVICES INC | 2655 CAMINO DEL RIO NORTH SUITE 425 SAN DIEGO, CA 92108 | AETNA LIFE INSURANCE CO | $36K | — | $36K | 5.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INC | 721 SOUTH PARKER ST ORANGE, CA 92868 | AETNA LIFE INSURANCE CO | $13K | — | $13K | 1.96% |
| BENEFIT PRO INSURANCE SERVICES, INC3 Filed as: BENEFIT PRO INSURANCE SERVICES INC | 2655 CAMINO DEL RIO NORTH SUITE 425 SAN DIEGO, CA 92108 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | $4K | $21K | 8.04% |
| BENEFIT PRO INSURANCE SERVICES, INC3 Filed as: BENEFIT PRO INSURANCE SERVICES INC | 2655 CAMINO DEL RIO NORTH SUITE 425 SAN DIEGO, CA 92108 | VISION SERVICE PLAN | $2K | — | $2K | 3.54% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 148 | $667K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 422 | $257K |
| Vision | VISION SERVICE PLAN | 188 | $55K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 422 | $257K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 422 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.