| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES | 1800 QUAIL STREET NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE COMPANY | $46K | — | $46K | 4.52% |
| BENEFITS AMERICA INSURANCE SERVICES | 1800 QUAIL STREET NEWPORT BEACH, CA 92660 | AETNA HEALTH INC | $38K | — | $38K | 4.55% |
| ASSUREDPARTNERS Filed as: NORTH MURRAY & ASOOCIATES | 1971 E 4TH STREET SUITE 290 SANTA ANA, CA 92705 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $32K | — | $32K | 6.00% |
| BENEFITS AMERICA INSURANCE SERVICES | 1800 QUAIL STREET SUITE 110 NEWPORT BEACH, CA 92660 | MUTUAL OF OMAHA INSURANCE COMPANY | $21K | $9K | $30K | 13.73% |
| ASSURANCE AGENCY LTD Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 1.76% |
| CA TRUCKING ASSN Filed as: CA TRUCKING ASSN. | 4148 E COMMERCE WAY SACRAMENTO, CA 95834 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $1K | $1K | 0.86% |
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 | 310 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 189 | $2.4M |
| Dental | MUTUAL OF OMAHA INSURANCE COMPANY | 310 | $222K |
| Vision | MUTUAL OF OMAHA INSURANCE COMPANY | 310 | $222K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 310 | $222K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 286 | $136K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 286 | $136K |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 189 | $2.4M |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 310 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.