| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 | 2125 YGNACIO VALLEY ROAD, SUITE 200 WALNUT CREEK, CA 94598 | BLUE CROSS OF CALIFORNIA | $135K | $0 | $135K | 4.94% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | BLUE CROSS OF CALIFORNIA | $0 | $54K | $54K | 1.98% |
| PINNACLE BROKER INSURANCE SOLUTIONS3 | UNKNOWN NEWPORT BEACH, CA 92660 | COMMUNITY CARE HEALTH | $18K | $0 | $18K | 5.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | 2125 YGNACIO VALLEY ROAD, SUITE 200 WALNUT CREEK, CA 94598 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 12.13% |
| UNKNOWN3 | UNKNOWN NEWPORT BEACH, CA 92660 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 1.42% |
| FOUNDATION RISK PARTNERS CORP3 | 780 WEST GRANADA BOULEVARD ORMOND BEACH, FL 32174 | ANTHEM LIFE INSURANCE COMPANY | $11K | $0 | $11K | 5.93% |
| AMWINS3 Filed as: AMWINS CONNECT INS SERVICES, LLC | 1600 WEST HILLSDALE BOULEVARD SAN MATEO, CA 94402 | ANTHEM LIFE INSURANCE COMPANY | $1K | $5K | $6K | 2.97% |
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 | 710 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 710 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 282 | $3.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 396 | $270K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 396 | $270K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 710 | $193K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 710 | $193K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 710 | $462K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 710 | — |
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.