| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVENUE 12TH FLOOR WOODLAND HILLS, CA 91367 | ANTHEM BLUE CROSS | $142K | — | $142K | 3.83% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVENUE 12TH FLOOR WOODLAND HILLS, CA 91367 | DELTA DENTAL | $17K | — | $17K | 10.00% |
| BENEFITS AMEICA INSURANCE SERVICES3 | 6320 CANOGA AVENUE 12TH FLOOR WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $1K | $14K | 25.62% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE 12TH FLOOR WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.92% |
| BENEFITS AMERICA INSURANCE SERVICE3 | 6320 CANOGA AVE WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE COMPANY | $715 | — | $715 | 14.77% |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS | 522 | $3.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL | 501 | $187K |
| Vision | ANTHEM BLUE CROSS | 522 | $3.7M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 210 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.