| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MYERS-STEVENS & TOOHEY CO INC3 | 26101 MARQUERITE PKWY MISSION VIEJO, CA 92692 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | — | $5K | $5K | 9.78% |
| MYERS-STEVENS & TOOHEY CO INC3 | 26101 MARQUERITE PKWY MISSION VIEJO, CA 92692 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 5.00% |
| MYERS-STEVENS & TOOHEY CO INC3 | 26101 MARQUERITE PKWY MISSION VIEJO, CA 92692 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | — | $526 | $526 | 0.95% |
| MYERS-STEVENS & TOOHEY CO INC3 | 26101 MARQUERITE PKWY MISSION VIEJO, CA 92692 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | — | $2K | $2K | 6.41% |
| MYERS-STEVENS & TOOHEY CO INC3 | 26101 MARQUERITE PKWY MISSION VIEJO, CA 92692 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | $986 | — | $986 | 3.21% |
| MYERS-STEVENS & TOOHEY CO INC3 | 26101 MARQUERITE PKWY MISSION VIEJO, CA 92692 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | — | $165 | $165 | 0.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PORAC EIN 23-7077256 PARTY IN INTEREST | Direct payment from the plan; Plan Administrator Service code 14 | — | $31K |
| MYERS-STEVENS TOOHEY & CO INC EIN 95-2637676 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $18K |
| HEMMING MORSE EIN 30-0702322 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $5K |
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 | 2,960 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,960 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | 482 | $55K |
| Other | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | 28 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 482 | — |
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.