| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FBP INSURANCE SERVICES3 | 130 THEORY SUITE 200 IRVINE, CA 92617 | AETNA LIFE INSURANCE CO. | $333K | — | $333K | 4.09% |
| FBP INSURANCE SERVICES3 | 130 THEORY SUITE 200 IRVINE, CA 92617 | AETNA HEALTH, INC. | $148K | — | $148K | 3.99% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES, INC | 130 THEORY STREET, SUITE 200 IRVINE, CA 926123065 | HARTFORD LIFE AND ACCIDENT | $84K | $36K | $119K | 20.43% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES, INC. | 130 THEORY, SUITE 200 IRVINE, CA 926173065 | VISION SERVICE PLAN | $3K | — | $3K | 2.19% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES, INC. | 130 THEORY STREET, SUITE 200 IRVINE, CA 926173065 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 5.08% |
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 | 1,556 | 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) | 1,559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 2,116 | $11.9M |
| Dental | AETNA LIFE INSURANCE CO. | 2,116 | $8.1M |
| Vision | VISION SERVICE PLAN | 1,004 | $151K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,662 | $585K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,662 | $585K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,662 | $585K |
| Other | HARTFORD LIFE AND ACCIDENT | 1,662 | $585K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,116 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.