| 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 | $63K | $144K | $206K | 14.11% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SVCS INC | 130 THEORY, STE 200 IRVINE, CA 926123065 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 4.00% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES INC | 130 THEORY, SUITE 200 IRVINE, CA 92617 | ACE AMERICAN INSURANCE COMPANY | $15K | — | $15K | 35.00% |
| RUTH LARKIN3 | 2000 WADSWORTH BLVD, #202 LAKEWOOD, CO 80214 | LIFESECURE INSURANCE COMPANY | $11K | — | $11K | 27.30% |
| J MANNING AND ASSOCIATES3 Filed as: J. MANNING ASSOCIATES | 1034 N ASHLAND AVE CHICAGO, IL 60622 | LIFESECURE INSURANCE COMPANY | $7K | — | $7K | 18.20% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 2000 CROW CANYON PLACE SAN RAMON, CA 94583 | LIFESECURE INSURANCE COMPANY | $6K | — | $6K | 16.50% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 100 FIELD DR LAKE FOREST, IL 60045 | LIFESECURE INSURANCE COMPANY | $5K | — | $5K | 12.83% |
| SPECIALTY PLANNERS, INC.3 | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $166 | — | $166 | 0.43% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE | 130 THEORY ST, SUITE 200 IRVINE, CA 92617 | ACE AMERICAN INSURANCE COMPANY | $4K | — | $4K | 15.00% |
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 | 1,772 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 79 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,851 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 5,414 | $4.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9 | $58K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,778 | $1.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,778 | $1.5M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,778 | $1.5M |
| Other(7 contracts, 6 carriers) | HARTFORD LIFE AND ACCIDENT | 5,495 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,495 | — |
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.