| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNIFIED BENEFITS & INSURANCE3 | SERVICES INC 25 ORCHARD, SUITE 100 LAKE FOREST, CA 92630 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $115K | — | $115K | 5.77% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | SERVICES LLC 2677 N. MAIN STREET, STE. 800 SANTA ANA, CA 92705 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $40K | $40K | 2.01% |
| UNIFIED BENEFITS & INSURANCE3 Filed as: UNIFIED BENEFITS AND INSURANCE | SERVICES 25 ORCHARD STE 100 LAKE FOREST, CA 92630 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | — | $25K | 14.48% |
| UNIFIED BENEFITS & INSURANCE3 | SERVICES INC 25 ORCHARD, SUITE 100 LAKE FOREST, CA 92630 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.33% |
| ANTHONY KANE3 | 14 WOODBRIDGE MISSION VIEJO, CA 92692 | KAISER FOUNDATION HEALTH PLAN, INC. | $406 | — | $406 | 3.50% |
| UNIFIED BENEFITS & INSURANCE3 | SERVICES INC 25 ORCHARD LAKE FOREST, CA 92630 | ANTHEM LIFE INSURANCE COMPANY | $226 | — | $226 | 5.09% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 263 | $2.0M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 263 | $2.0M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 263 | $2.0M |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $190K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 81 | $171K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 81 | $171K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 81 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.