| 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 | $104K | — | $104K | 7.93% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | EPIC OPERATING P.O. BOX 511398 LOS ANGELES, CA 90051 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | EPIC OPERATING P.O. BOX 511398 LOS ANGELES, CA 90051 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| BENEFITCOMPASS LLC3 Filed as: BENEFITCOMPASS, LLC | 19000 MACARTHUR BOULEVARD PH IRVINE, CA 926121447 | VISION SERVICE PLAN | $330 | — | $330 | 0.75% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | EPIC OPERATING P.O. BOX 511398 LOS ANGELES, CA 90051 | VISION SERVICE PLAN | $161 | — | $161 | 0.37% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | EPIC OPERATING P.O. BOX 511398 LOS ANGELES, CA 90051 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | EPIC OPERATING P.O.. BOX 511398 LOS ANGELES, CA 90051 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
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 | 297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 300 | 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 | 837 | $1.4M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 837 | $1.4M |
| Vision | VISION SERVICE PLAN | 302 | $44K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 297 | $127K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 297 | $13K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 297 | $47K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 837 | $1.3M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 297 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 837 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.