| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | ANTHEM BLUE CROSS | $25K | $0 | $25K | 2.29% |
| RW INSURANCE AGENCY3 Filed as: RW INSURANCE AGENCY INC | 1400 11TH STREET MANHATTAN BEACH, CA 90266 | ANTHEM BLUE CROSS | $25K | $0 | $25K | 2.29% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 2.37% |
| RW INSURANCE AGENCY3 Filed as: RW INSURANCE AGENCY INC | 1601 N SEPULVEDA BLVD SUITE 372 MANHATTAN BEACH, CA 90266 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 2.37% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 6.78% |
| RW INSURANCE AGENCY3 | 1601 N SEPULVEDA BLVD MANHATTAN BEACH, CA 90266 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 5.60% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | SAFEGUARD HEALTH PLANS INC | $612 | $158 | $770 | 6.47% |
| RW INSURANCE AGENCY3 | 1601 N SEPULVEDA BLVD SUITE 372 MANHATTAN BEACH, CA 90266 | SAFEGUARD HEALTH PLANS INC | $612 | $0 | $612 | 5.14% |
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 | 215 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 124 | $1.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $170K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $158K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $158K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.