| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FBP INSURANCE SERVICES3 | 130 THEORY STE 200 IRVINE, CA 92617 | AETNA LIFE INSURANCE COMPANY | $22K | — | $22K | 5.90% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES, INC. | 130 THOERY STE 200 IRVINE, CA 926173065 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 2.25% |
| PRECEPT INSURANCE SOLUTIONS3 | 130 THEORY STREET, SUITE 200 IRVINE, CA 92617 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $18K | $3K | $21K | 10.73% |
| PRECEPT INSURANCE SOLUTIONS3 | 130 THOERY SUITE 200 IRVINE, CA 92617 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $8K | $1K | $9K | 10.82% |
| F.B.P. INSURANCE SERVICES, LLC3 | 130 THEORY STREET, SUITE 200 IRVINE, CA 92617 | HYATT LEGAL PLANS | $461 | — | $461 | 10.69% |
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 | 268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 46 | $361K |
| Dental | AETNA LIFE INSURANCE COMPANY | 688 | $378K |
| Vision | VISION SERVICE PLAN | 223 | $47K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 264 | $194K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 265 | $82K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 46 | $361K |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 264 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 688 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.