| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES, INC. | 2000 CROW CANYON PLACE, STE 220 SAN RAMON, CA 94583 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $108K | — | $108K | 4.42% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES, INC | 130 THEORY STREET, SUITE 200 IRVINE, CA 926173065 | KAISER FOUNDATION HEALTH PLAN INC | $70K | — | $70K | 4.00% |
| PROVIEW ADVANCED SOLUTIONS3 | 1500 QUAIL STREET, STE 260 NEWPORT BEACH, CA 92660 | HARTFORD LIFE AND ACCIDENT | $17K | $7K | $24K | 13.96% |
| PROVIEW ADVANCED SOLUTIONS3 | 1500 QUAIL STREET, STE 260 NEWPORT BEACH, CA 92660 | HARTFORD LIFE AND ACCIDENT | — | $13K | $13K | 7.73% |
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 | 512 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 425 | $4.2M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 588 | $174K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 588 | $174K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 588 | $174K |
| Other | HARTFORD LIFE AND ACCIDENT | 588 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 588 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.