| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH E HENEHAN FIN & INS SVCS INC3 Filed as: JOSEPH E HENEHAN FIN AND INSUR SVCS | 685 EAST CARNEGIE #205 SAN BERNARDINO, CA 92408 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $586K | — | $586K | 4.77% |
| MILES ORGANIZATION INC3 | 578 WASHINGTON BLVD #801 MARINA DEL REY, CA 90292 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | -$19 | — | -$19 | -0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RSM US LLP EIN 42-0714325 NONE | Accounting (including auditing) Service code 10 | — | $70K |
| BANK OF AMERICA EIN 47-6663415 NONE | Other services Service code 49 | — | $11K |
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 | 1,996 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 216 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 2,212 | $12.3M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 2,212 | $12.3M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 2,212 | $12.3M |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 2,212 | $12.3M |
| Other | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 2,212 | $12.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,212 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.