| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TAX & FINANCIAL GROUP BENEFITS3 | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | CALIFORNIA PHYSICIANS SERVICE | — | $38K | $38K | 5.60% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | CALIFORNIA PHYSICIANS SERVICE | — | $13K | $13K | 1.94% |
| TAX & FINANCIAL GROUP BENEFITS3 | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $2K | $12K | 12.99% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 5.54% |
| TAX & FINANCIAL GROUP BENEFITS3 | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $612 | $9K | 45.43% |
| TAX & FINANCIAL GROUP BENEFITS3 | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | HUMANA, INC. | $760 | $636 | $1K | 18.37% |
| TAX & FINANCIAL GROUP BENEFITS3 | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $191 | $2K | 32.69% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $127 | $127 | 1.77% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 84 | $681K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $101K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $94K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $94K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 17 | $7K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 84 | $681K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.