| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONAL EMPLOYEE BENEFITS COUNCIL3 Filed as: REGIONAL EMPLOYEES BENEFITS | 350 RAILROAD CANYON RD SUITE E LAKE ELSINORE, CA 92532 | CALIFORNIA PHYSICIANS SERVICE | $70K | $67 | $70K | 4.57% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANONE SIMPSON INSURANCE | 5550 TOPANGA CANYON BLVD., STE. 310 WOODLAND HILLS, CA 91367 | CALIFORNIA PHYSICIANS SERVICE | $7K | $0 | $7K | 0.43% |
| REGIONAL EMPLOYEE BENEFITS COUNCIL3 | 350 RAILROAD CANYON RD LAKE ELSINORE, CA 925324457 | KAISER FOUNDATION HEALTH PLAN INC. | $69K | $0 | $69K | 4.96% |
| REGIONAL EMPLOYEE BENEFITS COUNCIL3 | 350 RAILROAD CANYON RD., SUITE C LAKE ELSINORE, CA 82532 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 8.78% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL | 4851 LBJ FREEWAY, STE. 100 DALLAS, TX 75244 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 4.82% |
| MONTAGE INSURANCE SOLUTIONS3 | 5550 TOPANGA CANYON BLVD., STE. 310 WOODLAND HILLS, CA 91367 | HARTFORD LIFE AND ACCIDENT | -$3 | $0 | -$3 | -0.01% |
| REGIONAL EMPLOYEE BENEFITS COUNCIL3 Filed as: REGIONAL EMPLOYEES BENEFITS COUNCIL | 350 RAILROAD CANYON RD. STE. E LAKE ELSINORE, CA 925324457 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.60% |
| DANONE SIMPSON INSURANCE SERVICES3 | DBA MONTAGE INSURANCE SOLUTIONS 5550 TOPANGA CANYON RD., STE. 310 WOODLAND HILLS, CA 91367 | VISION SERVICE PLAN | $98 | $0 | $98 | 0.20% |
| REGIONAL EMPLOYEE BENEFITS COUNCIL3 | 350 RAILROAD CANYON ROAD, SUITE C LAKE ELSINORE LAKE ELSINORE, CA 92532 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 9.80% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL | 4851 LBJ FREEWAY, STE. 100 DALLAS, TX 75244 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 5.00% |
| REGIONAL EMPLOYEE BENEFITS COUNCIL3 | 350 RAILROAD CANYON RD., STE. E LAKE ELSINORE, CA 92532 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 8.77% |
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 | 588 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 590 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 385 | $2.9M |
| Vision | VISION SERVICE PLAN | 476 | $48K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 588 | $90K |
| Short-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 588 | $90K |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 588 | $90K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 385 | $1.5M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 588 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 588 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.