| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | AETNA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ANDREW D. GILMOUR, INC.3 Filed as: ANDREW D. GILMOUR | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | LINCOLN NATIONAL LIFE | $10K | — | $10K | 10.00% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVENUE 12TH FLOOR WOODLAND HILLS, CA 91367 | LINCOLN NATIONAL LIFE | — | $1K | $1K | 1.51% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 300 W GLENOAKS BLVD 301 GLENDALE, CA 91202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $348 | $2K | 10.94% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVENUE SUITE 1200 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $414 | $81 | $495 | 11.95% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 300 W GLENOAKS BLVD 301 GLENDALE, CA 91202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $517 | $53 | $570 | 16.53% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS SERVICES | 6320 CANOGA AVENUE SUITE 1200 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $75 | $15 | $90 | 11.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES BROKER | Insurance agents and brokers Service code 22 | 6320 CANOGA AVENUE GLENDALE, CA 91202 | $87K |
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 | 222 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 271 | $1.7M |
| Dental | LINCOLN NATIONAL LIFE | 177 | $97K |
| Vision | AETNA LIFE INSURANCE COMPANY | 271 | $1.7M |
| Life insurance(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $30K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 271 | $1.7M |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.