| 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 | $167K | — | $167K | 5.45% |
| 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 | $74 | — | $74 | 0.00% |
| BENEFITS AMERICA INSURANCE | 1800 QUAIL STREET SUITE 110 NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE CO. | $25K | — | $25K | 9.15% |
| ANDREW D. GILMOUR, INC. Filed as: ANDREW D GILMOUR, INC. | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 0.85% |
| BENEFITS AMERICA INSURANCE SERVICES | 1800 QUAIL ST 110 NEWPORT BEACH, CA 92660 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $1K | $10K | 10.66% |
| BENEFITS AMERICA INSURANCE SERVICES | 1800 QUAIL ST 110 NEWPORT BEACH, CA 92660 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $1K | $10K | 10.73% |
| BENEFITS AMERICA INSURANCE SERVICES | 1800 QUAIL ST 110 NEWPORT BEACH, CA 92660 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $1K | $7K | 11.09% |
| BENEFITS AMERICA INSURANCE SERVICES | 1800 QUAIL ST 110 NEWPORT BEACH, CA 92660 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $543 | $4K | 10.61% |
| BENEFITS AMERICA INSURANCE SERVICES | 1800 QUAIL ST SUITE 110 NEWPORT BEACH, CA 92660 | EYE MED VISION | $4K | — | $4K | 13.84% |
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 | 351 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 293 | $3.1M |
| Dental | AETNA LIFE INSURANCE CO. | 295 | $270K |
| Vision | EYE MED VISION | 275 | $27K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 351 | $97K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 351 | $95K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 351 | $90K |
| Other(3 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 351 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.