| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES | 1800 QUAIL ST SUITE 110 NEWPORT, CA 92660 | UNITED HEALTHCARE INSURANCE COMPANY | — | $84K | $84K | 3.25% |
| J.D. GILMOUR & CO., INC. Filed as: J.D. GILMOUR & CO INC | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNITED HEALTHCARE INSURANCE COMPANY | $31K | — | $31K | 1.21% |
| ANDREW D. GILMOUR, INC. Filed as: ANDREW D. GILMOUR INC | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | AETNA LIFE INSURANCE CO. | $16K | — | $16K | 6.37% |
| ABD INS. AND FINANCIAL SVCS., INC. Filed as: ABD INSURANCE & FINANCIAL SERVICES | 3 WATERS PARK DRIVE SAN MATEO, CA 91202 | AETNA LIFE INSURANCE CO. | $12K | — | $12K | 4.48% |
| BENEFITS AMERICA INSURANCE SERVICES | 1800 QUAIL ST 110 NEWPORT BEACH, CA 92660 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $7K | $7K | 10.00% |
| BENEFITS AMERICA INSURANCE SERVICES | 1800 QUAIL ST 110 NEWPORT BEACH, CA 92660 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $7K | $7K | 10.00% |
| BENEFITS AMERICA INSURANCE SERVICES | 1800 QUAIL ST 110 NEWPORT BEACH, CA 92660 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 10.14% |
| BENEFITS AMERICA INSURANCE SERVICES | 1800 QUAIL ST 110 NEWPORT BEACH, CA 92660 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 10.00% |
| BENEFITS AMERICA INSURANCE SERVICES | 1800 QUAIL ST SUITE 110 NEWPORT BEACH, CA 92660 | EYE MED VISION | $2K | — | $2K | 10.91% |
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 | 328 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 233 | $2.6M |
| Dental | AETNA LIFE INSURANCE CO. | 258 | $258K |
| Vision | EYE MED VISION | 266 | $20K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 327 | $81K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 327 | $74K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 327 | $70K |
| Other(3 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 327 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.