| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOWERMASTER & ASSOCIATES INSURANCE3 Filed as: BOWERMASTER & ASSOC. INS AGY, INC. | 10805 HOLDER STREET CYPRESS, CA 90630 | AETNA LIFE INSURANCE COMPANY | $51K | $0 | $51K | 3.23% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1500 QUAIL ST NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE COMPANY | $33K | $0 | $33K | 2.12% |
| BOWERMASTER & ASSOCIATES INSURANCE3 Filed as: BOWERMASTER & ASSOC. INS AGY, INC. | PO BOX 6026 CYPRESS, CA 90630 | KAISER FOUNDATION HEALTH PLAN, INC. | $21K | $0 | $21K | 3.40% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | $0 | $7K | 1.18% |
| BOWERMASTER & ASSOCIATES INSURANCE3 Filed as: BOWERMASTER & ASSOC. INS AGY, INC. | 10805 HOLDER STREET CYPRESS, CA 90630 | AETNA HEALTH, INC. | $9K | $0 | $9K | 3.31% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1500 QUAIL ST NEWPORT BEACH, CA 92660 | AETNA HEALTH, INC. | $6K | $0 | $6K | 2.08% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1500 QUAIL ST STE 570 NEWPORT BEACH, CA 92660 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 7.08% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 10805 HOLDER STREET, SUITE 350 CYPRESS, CA 90630 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 3.06% |
| TRUE NETWORK ADVISORS3 | 383 GUNTER AVENUE GUNTERSVILLE, AL 35976 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $180 | $0 | $180 | 0.07% |
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 | 286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 186 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 286 | $253K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 286 | $253K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 286 | $253K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 286 | $253K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 286 | $253K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 286 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.