| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE FIRST INSURANCE SERVICES3 | 26895 ALISO CREEK RD STE B139 ALISO VIEJO, CA 92656 | AETNA LIFE INSURANCE CO. | $72K | — | $72K | 5.50% |
| ADVANTAGE FIRST INSURANCE SERVICES3 | 26895 ALISO CREEK RD STE B139 ALISO VIEJO, CA 92656 | AETNA HEALTH, INC. | $35K | — | $35K | 5.27% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC DBA SHOR | 1120 BRISTOL STREET COSTA MESA, CA 92626 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 5.35% |
| ADVANTAGE FIRST INSURANCE SERVICES3 | 26895 ALISO CREEK RD STE B139 ALISO VIEJO, CA 92656 | AETNA LIFE INSURANCE CO. | $992 | — | $992 | 0.80% |
| ACRISURE LLC3 Filed as: ACCRISURE OF CA LLC | — | MONY LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 10.21% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE FIRST INSURANCE SVCS | — | MONY LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.79% |
| ADVANTAGE FIRST INSURANCE SERVICES3 Filed as: ADVANTAGE FIRST INSURANCE SERVICES, | 26895 ALISO CREEK RD STE B ALISO VIEJO, CA 92656 | VISION SERVICE PLAN | $844 | — | $844 | 3.27% |
| ADVANTAGE FIRST INSURANCE SERVICES3 | 26895 ALISO CREEK ROAD SUITE B139 ALISO VIEJO, CA 92656 | HOLMAN PROFESSIONAL COUNSELING CENTERS | $2K | — | $2K | 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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 322 | $2.0M |
| Dental(2 contracts) | AETNA LIFE INSURANCE CO. | 324 | $1.4M |
| Vision | VISION SERVICE PLAN | 177 | $26K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 235 | $108K |
| Short-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 235 | $108K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 235 | $108K |
| Other(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 235 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.