| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 31248 OAK CREST DR SUITE 140 WESTLAKE VILLAGE, CA 91361 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | $0 | $16K | 17.81% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FINANCIAL SVCS | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $3K | $3K | 3.14% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FINANCIAL SVCS | PO BOX 29675 DEPT 2027 PHOENIX, AZ 85038 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 2.20% |
| BENEFITS ALLIANCE INS SVCS LLC3 Filed as: BENEFITS ALLIANCE INS. SVCS. LLC | 31248 OAK CREST DRIVE SUITE 140 WESTLAKE VILLAGE, CA 91361 | HCC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 Filed as: BENEFITS ALLIANCE INSURANCE SVCS. | 5210 LEWIS ROAD SUITE 14 AGOURA HILLS, CA 91301 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 34.47% |
| CHARLES BOGUE3 | 510 W 6TH STREET #815 LOS ANGELES, CA 90014 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13 | $0 | $13 | 0.09% |
| BENEFITS ALLIANCE INSURANCE3 Filed as: BENEFITS ALLIANCE | 5210 LEWIS RD #14 AGOURA, CA 91301 | FIDELITY SECURITY LIFE INSURANCE | $2K | $0 | $2K | 15.00% |
| FORREST T JONES AND COMPANY, INC3 Filed as: FORREST T JONES & CO. | 3130 BROADWAY KANSAS CITY, MO 64111 | FIDELITY SECURITY LIFE INSURANCE | — | $907 | $907 | 8.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FINANCIAL SVCS | 4851 LBJ FREEWAY #100 DALLAS, TX 75244 | FIDELITY SECURITY LIFE INSURANCE | $0 | $871 | $871 | 8.16% |
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 | 323 | 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) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 164 | $15K |
| Vision | EYEMED VISION CARE | 241 | $13K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 323 | $89K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 323 | $89K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 323 | $89K |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 323 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.