| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TUTTON INSURANCE SERVICES, INC.3 Filed as: TUTTON INSURANCE | 2913 PULLMAN STREET SANTA ANA, CA 92705 | UNITED HEALTH CARE | $228K | — | $228K | 4.42% |
| TUTTON INSURANCE SERVICES, INC.3 Filed as: TUTTON INSURANCE | 2913 PULLMAN STREET SANTA ANA, CA 92705 | GUARDIAN | $7K | — | $7K | 4.23% |
| TUTTON INSURANCE SERVICES, INC.3 Filed as: TUTTON INSURANCE | 2913 PULLMAN STREET SANTA ANA, CA 92705 | GUARDIAN | — | $3K | $3K | 1.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ABC OF SOUTHERN CALIFORNIA, INC EIN 95-2893577 PLAN SPONSOR/ADMIN FEES | Claims processing Service code 12 | 1400 NORTH KELLOGG DRIVE, STE A ANAHEIM, CA 92807 | $0 |
| POLYCOMP ADMINISTRATIVE SERVICES EIN 95-2889854 THIRD PARTY ADMINISTRATOR | Plan Administrator Service code 14 | 404 CAMINO DEL RIO SOUTH SUITE 608 SAN DIEGO, CA 92108 | $0 |
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 | 727 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 727 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE | 727 | $5.2M |
| Dental | GUARDIAN | 542 | $177K |
| Vision | GUARDIAN | 542 | $177K |
| Life insurance | GUARDIAN | 542 | $177K |
| Other | UNITED HEALTH CARE | 727 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 727 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.