| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, STE 1100 NEWPORT BEACH, CA 92660 | AETNA HEALTH, INC. | $111K | — | $111K | 3.89% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, STE 1100 NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE CO. | $61K | — | $61K | 3.91% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, STE 1100 NEWPORT BEACH, CA 92660 | DELTA DENTAL OF CALIFORNIA | $22K | — | $22K | 10.00% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, FL 11 NEWPORT BEACH, CA 92660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, STE 1100 NEWPORT BEACH, CA 92660 | VISION SERVICE PLAN | $2K | — | $2K | 4.06% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DR FL 11 NEWPORT BEACH, CA 92660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DR FL 11 NEWPORT BEACH, CA 92660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, FL 11 NEWPORT BEACH, CA 92660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, STE 1100 NEWPORT BEACH, CA 92660 | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 9.99% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, FL 11 NEWPORT BEACH, CA 92660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DR, FL 11 NEWPORT BEACH, CA 92660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, STE 1100 NEWPORT BEACH, CA 92660 | EMPATHIA PACIFIC, INC. | $344 | — | $344 | 9.19% |
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 | 394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 438 | $4.4M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 482 | $243K |
| Vision | VISION SERVICE PLAN | 323 | $41K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 397 | $62K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $58K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 399 | $55K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 397 | $79K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.