| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONE | — | STANDARD INSURANCE COMPANY | — | — | $0 | 0.00% |
| MEYERS-STEVENS & TOOHEY CO INC3 | 26101 MARQUERITE PKWY MISSION VIEJO, CA 92692 | RELIASTAR LIFE INSURANCE COMAPNY OF NEW YORK | — | $116K | $116K | 9.78% |
| MEYERS-STEVENS & TOOHEY CO INC3 | 26101 MARQUERITE PKWY MISSION VIEJO, CA 92692 | RELIASTAR LIFE INSURANCE COMAPNY OF NEW YORK | $59K | — | $59K | 5.00% |
| MEYERS-STEVENS & TOOHEY CO INC3 | 26101 MARQUERITE PKWY MISSION VIEJO, CA 92692 | RELIASTAR LIFE INSURANCE COMAPNY OF NEW YORK | — | $12K | $12K | 1.02% |
| MYERS-STEVENS & TOOHEY CO INC3 | 26101 MARQUERITE PKWY MISSION VIEJO, CA 92692 | RELIASTAR LIFE INSURANCE COMAPNY | — | $50K | $50K | 6.86% |
| MYERS-STEVENS & TOOHEY CO INC3 | 26101 MARQUERITE PKWY MISSION VIEJO, CA 92692 | RELIASTAR LIFE INSURANCE COMAPNY | $25K | — | $25K | 3.43% |
| MYERS-STEVENS & TOOHEY CO INC3 | 26101 MARQUERITE PKWY MISSION VIEJO, CA 92692 | RELIASTAR LIFE INSURANCE COMAPNY | — | $7K | $7K | 0.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PORAC EIN 23-7077256 PARTY IN INTEREST | Direct payment from the plan; Plan Administrator Service code 14 | — | $682K |
| MYERS-STEVENS TOOHEY & CO INC EIN 95-2637676 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $472K |
| REICH ADELL & CVITAN EIN 94-1205338 NONE | Legal; Direct payment from the plan Service code 29 | — | $138K |
| THE SEGAL COMPANY EIN 94-1050399 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $88K |
| HEMMING MORSE EIN 30-0702322 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $24K |
| ROBERT FEINGLASS EIN 80-0231345 NONE | Legal; Direct payment from the plan Service code 29 | — | $17K |
| UBS NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | 2029 CENTURY PARK EAST, ST 3000 LOS ANGELES, CA 90067 | $16K |
| SHANE TALBOT EIN 68-6068469 TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | — | $6K |
| DAMON KURTZ EIN 68-6068469 TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | — | $6K |
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 | 65,576 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 65,576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMAPNY OF NEW YORK | 9,585 | $1.2M |
| Long-term disability | STANDARD INSURANCE COMPANY | 20,188 | $3.0M |
| Other | RELIASTAR LIFE INSURANCE COMAPNY | 527 | $731K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,188 | — |
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.