| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARC JEFFREY SPIEGEL3 | 33971 SELVA RD, SUITE 125 DANA POINT, CA 92629 | NIPPON LIFE BENEFITS | $82K | — | $82K | 2.58% |
| DOVE BENEFITS INSURANCE SERVICES3 | 9891 IRVINE CENTER DR, SUITE 200 IRVINE, CA 92618 | NIPPON LIFE BENEFITS | $60K | — | $60K | 1.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMN INC | 721 PARKER ST, SUITE 140 ORANGE, CA 92868 | NIPPON LIFE BENEFITS | $19K | — | $19K | 0.59% |
| MARC JEFFREY SPIEGEL3 | 33971 SELVA RD, SUITE 125 DANA POINT, CA 92629 | KAISER FOUNDATION HEALTH PLAN INC | $15K | — | $15K | 2.82% |
| DOVE BENEFITS INSURANCE SERVICES3 | 9891 IRVINE CENTER DR, SUITE 200 IRVINE, CA 92618 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 1.71% |
| DOVE BENEFITS INSURANCE SERVICES3 | 9891 IRVINE CENTER DR, SUITE 200 IRVINE, CA 92618 | PRINCIPAL LIFE INSURANCE COMPANY | $21K | — | $21K | 5.30% |
| MARC JEFFREY SPIEGEL3 | 33971 SELVA RD, SUITE 125 DANA POINT, CA 92629 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | — | $20K | 4.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN BENEFIT ADMIN INC | 721 S PARKER ST, SUITE 300 ORANGE, CA 92868 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $4K | $9K | 2.24% |
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 | 239 | 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) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NIPPON LIFE BENEFITS | 173 | $3.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 239 | $405K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 239 | $405K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 239 | $405K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 239 | $405K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 239 | $405K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 239 | $405K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.