| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RW INSURANCE AGENCY3 Filed as: RW INSURANCE AGENCY INC | 1601 N SEPULVEDA BLVD 372 MANATTAN BEACH, CA 90266 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $15K | $0 | $15K | 2.46% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $15K | $0 | $15K | 2.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WARD & BROWN INSURANCE ADMINISTRATO | 721 PARKER STREET ORANGE, CA 92868 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | $13K | $13K | 2.21% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | KAISER FOUNDATION HEALTH PLAN | $6K | $0 | $6K | 2.27% |
| RW INSURANCE AGENCY3 Filed as: RW INSURANCE AGENCY, INC | 1601 N SEPULVEDA BLVD 372 MANHATTAN BEACH, CA 90266 | KAISER FOUNDATION HEALTH PLAN | $6K | $0 | $6K | 2.27% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | METROPOLITAN LIFE INSURANCE CO | $5K | $573 | $5K | 6.35% |
| RW INSURANCE AGENCY3 | 1601 N SEPULVEDA BLVD 372 MANHATTAN BEACH, CA 90266 | METROPOLITAN LIFE INSURANCE CO | $5K | $0 | $5K | 5.65% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | SAFEGUARD HEALTH PLANS INC | $198 | $25 | $223 | 6.03% |
| RW INSURANCE AGENCY3 | 1601 N SEPULVEDA BLVD 372 MANHATTAN BEACH, CA 90266 | SAFEGUARD HEALTH PLANS INC | $198 | $0 | $198 | 5.36% |
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 | 90 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 66 | $881K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE CO | 332 | $86K |
| Vision | METROPOLITAN LIFE INSURANCE CO | 332 | $82K |
| Life insurance | METROPOLITAN LIFE INSURANCE CO | 332 | $82K |
| Other | METROPOLITAN LIFE INSURANCE CO | 332 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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."
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.