| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | BLUE CROSS OF CALIFORNIA | $68K | — | $68K | 4.58% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | BLUE CROSS OF CALIFORNIA | — | $33K | $33K | 2.19% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 303395943 | BLUE CROSS OF CALIFORNIA | $14K | — | $14K | 0.91% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 7777 CENTER AVENUE, SUITE 600 HUNTINGTON BEACH, CA 926473099 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $2K | $9K | 18.14% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.96% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N. MAIN STREE, SUITE 800 SANTA ANA, CA 927056687 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.76% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | — | $622 | $622 | 1.24% |
| JAMES LAURO3 Filed as: JAMES W. LAURO | 18575 JAMBOREE ROAD, SUITE 200 IRVINE, CA 92612 | NORTHWESTERN MUTUAL | $3K | $742 | $4K | 8.03% |
| MY LOAN LISA TRAN3 | 160 N. RIVERVIEW DRIVE, SUITE 100 ANAHEIM, CA 92808 | NORTHWESTERN MUTUAL | $3K | $649 | $3K | 7.03% |
| ROSANE TRAN3 | 160 N. RIVERVIEW DRIVE, SUITE 100 ANAHEIM, CA 92808 | NORTHWESTERN MUTUAL | $2K | $463 | $2K | 5.02% |
| IAN MAXWELL GORDON3 | 18575 JAMBOREE ROAD, SUITE 200 IRVINE, CA 92612 | NORTHWESTERN MUTUAL | $754 | $91 | $845 | 1.84% |
| IAN MAXWELL GORDON3 Filed as: IAN GORDON INS SVCS INC | 18575 JAMBOREE ROAD, SUITE 200 IRVINE, CA 92612 | NORTHWESTERN MUTUAL | $671 | $91 | $762 | 1.66% |
| SANJAY AVINASH PATEL3 | 160 N. RIVERVIEW DRIVE, SUITE 100 ANAHEIM, CA 92808 | NORTHWESTERN MUTUAL | $46 | $16 | $62 | 0.14% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 5.61% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 303395943 | ANTHEM LIFE INSURANCE COMPANY | $744 | — | $744 | 2.24% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 1600 W. HILLSDALE BOULEVARD SAN MATEO, CA 94402 | ANTHEM LIFE INSURANCE COMPANY | — | $350 | $350 | 1.05% |
| JAMES LAURO3 Filed as: JAMES W. LAURO | 18575 JAMBOREE ROAD, SUITE 200 IRVINE, CA 92612 | NORTHWESTERN MUTUAL | $2K | $432 | $2K | 7.51% |
| MY LOAN LISA TRAN3 | 160 N. RIVERVIEW DRIVE, SUITE 100 ANAHEIM, CA 92808 | NORTHWESTERN MUTUAL | $2K | $378 | $2K | 6.57% |
| ROSANE TRAN3 | 160 N. RIVERVIEW DRIVE, SUITE 100 ANAHEIM, CA 92808 | NORTHWESTERN MUTUAL | $1K | $270 | $1K | 4.69% |
| IAN MAXWELL GORDON3 Filed as: IAN GORDON INS SVCS INC | 18575 JAMBOREE ROAD, SUITE 200 IRVINE, CA 92612 | NORTHWESTERN MUTUAL | $643 | $77 | $720 | 2.52% |
| SANJAY AVINASH PATEL3 | 160 N. RIVERVIEW DRIVE, SUITE 100 ANAHEIM, CA 92808 | NORTHWESTERN MUTUAL | $214 | $77 | $291 | 1.02% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | ANTHEM LIFE INSURANCE COMPANY | $354 | — | $354 | 4.96% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N. MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | ANTHEM LIFE INSURANCE COMPANY | — | $71 | $71 | 1.00% |
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 | 323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 324 | $1.5M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 381 | $150K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 381 | $150K |
| Life insurance(2 contracts) | ANTHEM LIFE INSURANCE COMPANY | 315 | $40K |
| Long-term disability(2 contracts) | NORTHWESTERN MUTUAL | 337 | $74K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 324 | $1.5M |
| Other(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 315 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.