| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTREPID SOLUTIONS INSURANCE3 | 1500 QUIAIL STREET, SUITE 570 NEWPORT BEACH, CA 92660 | UNITED HEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 6.55% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 2.73% |
| INTREPID SOLUTIONS INSURANCE3 | 1500 QUIAIL STREET, SUITE 600 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN INC. | $14K | — | $14K | 5.36% |
| INTREPID SOLUTIONS INSURANCE3 | 1500 QUIAIL STREET, SUITE 570 NEWPORT BEACH, CA 92660 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $2K | $16K | 12.87% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $1K | $7K | 5.66% |
| TRUE NETWORK ADVISORS3 | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | PRINCIPAL LIFE INSURANCE COMPANY | — | $314 | $314 | 0.25% |
| INTREPID SOLUTIONS INSURANCE3 | 1500 QUIAIL STREET, SUITE 570 NEWPORT BEACH, CA 92660 | UNITED HEALTHCARE OF CALIFORNIA | $2K | — | $2K | 6.00% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 55 | $617K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 98 | $126K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 98 | $126K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 98 | $126K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 98 | $126K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 98 | $126K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 55 | $253K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 98 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.