| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 31248 OAKCREST DRIVE WESTLAKE VILLAGE, CA 91361 | AETNA HEALTH, INC. | $73K | $10K | $83K | 5.18% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 31248 OAKCREST DRIVE WESTLAKE VILLAGE, CA 91361 | AETNA LIFE INSURANCE COMPANY | $25K | — | $25K | 6.35% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE WASHINGTON, PA 19034 | BLUE CROSS OF CALIFORNIA | $13K | — | $13K | 6.44% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 31248 OAKCREST DRIVE WESTLAKE VILLAGE, CA 91361 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 31248 OAKCREST DRIVE WESTLAKE VILLAGE, CA 91361 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $703 | — | $703 | 10.00% |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 413 | $2.2M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 413 | $580K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 413 | $580K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 280 | $199K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $7K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $33K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 413 | $2.2M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 280 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.