| 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 OF CALIFORNIA INC. | $56K | $0 | $56K | 4.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN INS. ADMIN. INC. | 721 SOUTH PARKER, SUITE 300 ORANGE, CA 92868 | AETNA HEALTH OF CALIFORNIA INC. | $25K | $0 | $25K | 1.97% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | AETNA HEALTH OF CALIFORNIA INC. | $11K | $0 | $11K | 0.88% |
| 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 COMPANY | $36K | $0 | $36K | 4.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN INS. ADMIN. INC. | 721 SOUTH PARKER, SUITE 300 ORANGE, CA 92868 | AETNA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 1.95% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | AETNA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 0.81% |
| 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 | $14K | $5K | $19K | 7.48% |
| LOCKTON COMPANIES, LLC3 | PO BOX 92643 LOS ANGELES, CA 90009 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.35% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 236 | $2.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 392 | $251K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 392 | $251K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 392 | $251K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 392 | $251K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 236 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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.