| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COMPASS INSURANCE SERVICES3 | 1 VENTURE SUITE 220 IRVINE, CA 926187413 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $106K | — | $106K | 24.93% |
| BENEFIT COMPASS LLC3 Filed as: BENEFIT COMPASS INSURANCE | 1 VENTURE SUITE 220 IRVINE, CA 92618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 7.76% |
| MARK MATHIAS3 Filed as: MARK W PATTINSON | 1 VENTURE SUITE 220 IRVINE, CA 92618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.12% |
| RONALD W JOY3 | 3178 ALTA LAGUNA BOULEVARD LAGUNA BEACH, CA 92651 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.12% |
| BENEFIT COMPASS LLC3 Filed as: BENEFIT COMPASS INSURANCE | 1 VENTURE SUITE 220 IRVINE, CA 92618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 7.74% |
| MARK MATHIAS3 Filed as: MARK W PATTINSON | 1 VENTURE SUITE 220 IRVINE, CA 92618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $559 | — | $559 | 1.13% |
| RONALD W JOY3 | 3178 ALTA LAGUNA BOULEVARD LAGUNA BEACH, CA 92651 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $559 | — | $559 | 1.13% |
| BENEFIT COMPASS LLC3 Filed as: BENEFIT COMPASS, LLC | 1 VENTURE SUITE 220 IRVINE, CA 926187413 | VISION SERVICE PLAN | $450 | — | $450 | 1.00% |
| BENEFIT COMPASS LLC3 Filed as: BENEFIT COMPASS INSURANCE | 1 VENTURE SUITE 220 IRVINE, CA 92618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 7.74% |
| MARK MATHIAS3 Filed as: MARK W PATTINSON | 1 VENTURE SUITE 220 IRVINE, CA 92618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $187 | — | $187 | 1.13% |
| RONALD W JOY3 | 3178 ALTA LAGUNA BOULEVARD LAGUNA BEACH, CA 92651 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $187 | — | $187 | 1.13% |
| BENEFIT COMPASS LLC3 Filed as: BENEFIT COMPASS INSURANCE | 1 VENTURE SUITE 220 IRVINE, CA 92618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 7.69% |
| MARK MATHIAS3 Filed as: MARK W PATTINSON | 1 VENTURE SUITE 220 IRVINE, CA 92618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $166 | — | $166 | 1.15% |
| RONALD W JOY3 | 3178 ALTA LAGUNA BOULEVARD LAGUNA BEACH, CA 92651 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $166 | — | $166 | 1.15% |
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 | 295 | 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) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 938 | $449K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 938 | $527K |
| Vision | VISION SERVICE PLAN | 316 | $45K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 295 | $135K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 295 | $14K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 295 | $49K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 938 | $427K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 295 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 938 | — |
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.