| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONE | — | THE STANDARD INSURANCE COMPANY | — | — | $0 | 0.00% |
| NONE | — | RELIASTAR LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MYERS-STEVENS & TOOHEY CO INC3 | 26101 MARQUERITE PKWY MISSION VIEJO, CA 92692 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $32K | — | $32K | 17.77% |
| MYERS-STEVENS & TOOHEY CO INC3 | 26101 MARQUERITE PKWY MISSION VIEJO, CA 92692 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $32K | — | $32K | 126.68% |
| MYERS-STEVENS & TOOHEY CO INC3 | 26101 MARQUERITE PKWY MISSION VIEJO, CA 92692 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 18.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PORAC EIN 23-7077256 PARTY IN INTEREST | Plan Administrator; Direct payment from the plan Service code 14 | — | $591K |
| MYERS-STEVENS TOOHEY AND CO. INC. EIN 95-2637676 NONE | Direct payment from the plan Service code 50 | — | $491K |
| THE SEGAL COMPANY EIN 94-1050399 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $80K |
| REICH ADELL & CVITAN EIN 94-1205338 NONE | Direct payment from the plan Service code 50 | — | $74K |
| EIDE BAILLY EIN 45-0250958 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $32K |
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 | 58,167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8,379 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 66,546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(2 contracts, 2 carriers) | THE STANDARD INSURANCE COMPANY | 22,496 | $1.5M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 36,902 | $450K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 36,902 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.