| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARC JEFFREY SPIEGEL3 | 29222 RANCHO VIEJO RD STE 207 SAN JUAN CAPISTRANO, CA 92675 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $69K | $0 | $69K | 3.93% |
| MARC JEFFREY SPIEGEL3 | 29222 RANCHO VIEJO RD STE 207 SAN JUAN CAPISTRANO, CA 92675 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $69K | $0 | $69K | 3.96% |
| MARC JEFFREY SPIEGEL3 | 29222 RANCHO VIEJO RD STE 220 SAN JUAN CAPISTRANO, CA 92675 | KAISER FOUNDATION HEALTH PLAN INC | $25K | $3K | $28K | 5.66% |
| MARC JEFFREY SPIEGEL3 Filed as: MARC SPIEGEL | 29222 RANCHO VIEJO RD STE 220 SAN JUAN CAPISTRANO, CA 92675 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $0 | $27K | 11.48% |
| INSUREYOURPEPLE LLC3 | 40 E RIO SALADO PKWY STE 900 TEMPE, AZ 85281 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.80% |
| MARC JEFFREY SPIEGEL3 Filed as: MARC J SPIEGEL | 29222 RANCHO VIEJO RD, STE 220 SAN JUAN CAPISTRANO, CA 92675 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 9.39% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 125 | $4.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 669 | $330K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 669 | $330K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $94K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $94K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 669 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.