| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS SERVICES | 1800 QUAIL STREET SUITE 110 NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE COMPANY | $995 | $6K | $7K | 0.31% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET SUITE 110 NEWPORT BEACH, CA 92660 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $2K | $14K | 11.55% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET SUITE 110 NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.83% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET SUITE 110 NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $396 | — | $396 | 10.01% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET SUITE 110 NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $574 | — | $574 | 15.00% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET SUITE 110 NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $72 | — | $72 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES EIN 38-3927368 BROKER | Insurance agents and brokers Service code 22 | 1800 QUAIL STREET SUITE 110 NEWPORT BEACH, CA 92660 | $120K |
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 | 183 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 249 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 166 | $121K |
| Life insurance(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 183 | $26K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 183 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.