| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICIA JOANNE BENKOWSKI3 | 24825 BYROAD WAY LAGUNA NIGUEL, CA 926776033 | KAISER FOUNDATION HEALTH PLAN INC. | $46K | — | $46K | 5.40% |
| PBT INSURANCE SERVICES LLC3 Filed as: PBT INSURANCE SERVICES, LLC | 24825 BYROAD WAY LAHUNA NIGUEL, CA 926776033 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 5.49% |
| PBT INSURANCE SERVICES LLC3 | 24825 BYROAD WAY LAGUNA NIGUEL, CA 92677 | VISION SERVICE PLAN | $924 | — | $924 | 6.23% |
| PBT INSURANCE SERVICES LLC3 Filed as: PBT INSURANCE SERVICES | 24825 BYROAD WAY LAGUNA NIGUEL, CA 92677 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 34.03% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 149 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $12K |
| Vision | VISION SERVICE PLAN | 106 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.