| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE3 | 1800 QUAIL STREET SUITE 110 NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE COMPANY | $94K | $4K | $97K | 5.53% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET SUITE 110 NEWPORT BEACH, CA 92660 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 9.89% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE SUITE 1200 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.61% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 630 CANOGA AVE SUITE 1200 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $320 | — | $320 | 10.02% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE SUITE 1200 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $397 | — | $397 | 14.99% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE SUITE 1200 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $58 | — | $58 | 9.98% |
| 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 | $111K |
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 | 209 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 209 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 138 | $113K |
| Vision | AETNA LIFE INSURANCE COMPANY | 209 | $1.8M |
| Life insurance(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 148 | $20K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 148 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.