| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MYERS-STEVENS & TOOHEY CO INC3 | 26101 MARQUERITE PARKWAY MISSION VIEJO, CA 92692 | RELIASTAR LIFE INSURANCE COMPANY | $83K | $192K | $275K | 14.41% |
| MYERS-STEVENS & TOOHEY CO INC3 | 26101 MARGUERITE PARKWAY MISSION VIEJO, CA 92692 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $35K | — | $35K | 18.00% |
| MYERS-STEVENS & TOOHEY CO INC3 Filed as: MYERS STEVENS & TOOHEY & CO INC | 26101 MARGUERITE PARKWAY MISSION VIEJO, CA 92692 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 18.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IBT HEALTH PLAN EIN 68-6068469 RELATED PLAN | Direct payment from the plan; Employee (plan) Service code 30 | — | $715K |
| MYERS-STEVENS TOOHEY AND CO INC EIN 95-2637676 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $465K |
| WAGNER LAW GROUP EIN 04-3323315 NONE | Legal; Direct payment from the plan Service code 29 | — | $102K |
| SHAW LAW GROUP EIN 81-3216368 NONE | Legal; Direct payment from the plan Service code 29 | — | $59K |
| UBS EIN 13-2638166 NONE | Custodial (securities); Direct payment from the plan; Investment advisory (plan) Service code 19 | — | $42K |
| THE SEGAL COMPANY EIN 94-1050399 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $38K |
| BENESYS EIN 38-2383170 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $37K |
| EIDE BAILLY EIN 45-0250958 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $25K |
| ROBERT HALF EIN 94-1648752 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $25K |
| SEGAL SELECT INSURANCE SERVICES INC EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | — | $17K |
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 | 61,855 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9,102 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 70,957 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 37,507 | $1.9M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 22,400 | $4.9M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 37,507 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 37,507 | — |
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.