| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | HARTFORD LIFE AND ACCIDENT | $312K | $127K | $439K | 15.66% |
| THOMPSON SUCCESS PARTNERS, INC.4 Filed as: THOMPSON SUCESS PARTNERS INC | 2776 GEARY STREE MATLAXHA, FL 33993 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $8K | — | $8K | 8.50% |
| BARRY OLFERN AND ASSOC. INC4 Filed as: BARRY OLFERN | 954 TYLER STREET HOLLYWOOD, FL 33019 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $8K | — | $8K | 8.50% |
| DANIEL G ACETT3 | 7804 FAIRVIEW ROD, STE 266 CHARLOTTE, NC 28210 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 50.00% |
| WILIAM E MAHONEY JR3 | 2455 E SUNRISE BLVD, STE 300 FT LAUDERDALE, FL 33304 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 50.00% |
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 | 3,226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 224 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 113 | $869K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,077 | $2.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,077 | $2.8M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 113 | $869K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 3,226 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,226 | — |
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.