| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOWERMASTER & ASSOCIATES INSURANCE3 | 10805 HOLDER STREET CYPRESS, CA 90630 | AETNA LIFE INSURANCE COMPANY | $54K | $0 | $54K | 4.94% |
| BOWERMASTER & ASSOCIATES INSURANCE3 | 10805 HOLDER STREET CYPRESS, CA 90630 | AETNA HEALTH, INC. | $34K | $0 | $34K | 5.46% |
| BOWERMASTER & ASSOCIATES INSURANCE3 | PO BOX 6026 CYPRESS, CA 90630 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 13.12% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 10805 HOLDER STREET, SUITE 350 CYPRESS, CA 90630 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 12.74% |
| CHARLES BOGUE3 | 510 WEST 6TH STREET, SUITE 815 LOS ANGELES, CA 90014 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $60 | $0 | $60 | 0.25% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 202 | $1.7M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 202 | $1.1M |
| Vision | AETNA LIFE INSURANCE COMPANY | 202 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 231 | $56K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 28 | $24K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 28 | $24K |
| Prescription drug | AETNA HEALTH, INC. | 105 | $622K |
| Other | HARTFORD LIFE AND ACCIDENT | 231 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.