| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TUTTON INSURANCE SERVICES, INC.3 | 2913 PULLMAN STREET SANTA ANA, CA 92705 | UNITED HEALTH CARE INSURANCE COMPANY | $292K | — | $292K | 4.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| POLYCOMP ADMINISTRATIVE SERVICES EIN 95-2889854 THIRD PARTY ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 404 CAMINO DEL RIO SOUTH SUITE 608 SAN DIEGO, CA 92108 | $203K |
| WOLDS LAW GROUP EIN 80-0462356 TRUST ATTORNEY | Legal Service code 29 | 4747 EXECUTIVE DRIVE, STE 250 SAN DIEGO, CA 92121 | $122K |
| JHS CPAS, LLP EIN 81-0865829 TRUST ACCOUNTANTS | Accounting (including auditing) Service code 10 | 135 TOWN COUNTRY DRIVE DANVILLE, CA 94526 | $54K |
| ABC OF SOUTHERN CALIFORNIA, INC EIN 95-2893577 PLAN SPONSOR/ADMIN FEES | Plan Administrator Service code 14 | 1400 NORTH KELLOGG DRIVE, STE A ANAHEIM, CA 92807 | $25K |
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 | 927 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 927 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE INSURANCE COMPANY | 927 | $6.7M |
| Dental | UNITED HEALTH CARE INSURANCE COMPANY | 927 | $6.7M |
| Vision | UNITED HEALTH CARE INSURANCE COMPANY | 927 | $6.7M |
| Life insurance | UNITED HEALTH CARE INSURANCE COMPANY | 927 | $6.7M |
| Other | UNITED HEALTH CARE INSURANCE COMPANY | 927 | $6.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 927 | — |
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.
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.