| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENCHMARK BENEFITS, INC.3 Filed as: BENCHMARK BENEFITS INC. | 16255 VENTURA BOULEVARD, SUITE 445 ENCINO, CA 91436 | AETNA LIFE INSURANCE COMPANY | $81K | $0 | $81K | 4.90% |
| BENCHMARK BENEFITS, INC.3 Filed as: BENCHMARK BENEFITS INC. | 16255 VENTURA BOULEVARD, SUITE 445 ENCINO, CA 91436 | AETNA HEALTH OF CALIFORNIA INC. | $23K | $0 | $23K | 5.08% |
| BENCHMARK BENEFITS, INC.3 Filed as: BENCHMARK BENEFITS INC. | 16255 VENTURA BOULEVARD, SUITE 445 ENCINO, CA 91436 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $19K | $0 | $19K | 9.92% |
| BENCHMARK BENEFITS, INC.3 Filed as: BENCHMARK BENEFITS INC. | 16255 VENTURA BOULEVARD, SUITE 445 ENCINO, CA 91436 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $0 | $14K | 11.48% |
| BENCHMARK BENEFITS, INC.3 Filed as: BENCHMARK BENEFITS INC. | 16255 VENTURA BOULEVARD, SUITE 445 ENCINO, CA 91436 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $81 | $0 | $81 | 10.06% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 173 | $2.1M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 183 | $192K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $126K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $126K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $126K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 173 | $2.1M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.