| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OHM BENEFIT & INSURANCE SOLUTIONS3 | 19360 RINALDI STREET SUITE 505 NORTHRIDGE, CA 91326 | PREMIER ACCESS INSURANCE COMPANY | $3K | — | $3K | 6.43% |
| JASON SANDLER3 | RINALDI STREET APT 505 NORTHRIDGE, CA 91326 | KANSAS CITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.59% |
| GFBB BENEFITS AND INS. SVCS., INC.3 Filed as: GFBB BENEFITS & INSURANCE SERV | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $714 | — | $714 | 7.10% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PREMIER ACCESS INSURANCE COMPANY | 83 | $46K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 141 | $10K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 145 | $26K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 145 | $26K |
| Other | KANSAS CITY LIFE INSURANCE COMPANY | 145 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.