| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES INC | 130 THEORY, SUITE 200 IRVINE, CA 926173065 | HARTFORD LIFE AND ACCIDENT | $66K | $101K | $167K | 10.14% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES INC | 130 THEORY, SUITE 200 IRVINE, CA 926173065 | HARTFORD LIFE AND ACCIDENT | — | $71K | $71K | 4.34% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SVCS INC | 130 THEORY, STE 200 IRVINE, CA 926123065 | HARTFORD LIFE AND ACCIDENT | $15K | $10K | $25K | 6.80% |
| RUTH I LARKIN3 | 2000 WADSWORTH BLVD, #202 LAKEWOOD, CO 80214 | GENWORTH LIFE INSURANCE COMPANY | $8K | — | $8K | 8.06% |
| F.B.P. INSURANCE SERVICES LLPS GRP3 | 2000 CROW CANYON PLACE, #220 SAN RAMON, CA 94583 | GENWORTH LIFE INSURANCE COMPANY | $4K | — | $4K | 4.03% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES INC | 130 THEORY, SUITE 200 IRVINE, CA 92617 | ACE AMERICAN INSURANCE COMPANY | $15K | — | $15K | 35.00% |
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 | 2,344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 78 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 914 | $4.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6 | $82K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,844 | $1.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,844 | $1.6M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,844 | $1.7M |
| Other(7 contracts, 6 carriers) | HARTFORD LIFE AND ACCIDENT | 5,414 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,414 | — |
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."
No prospect flags tripped on this filing.