| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FBP INSURANCE SERVICES3 | 130 THEORY, STE 200 IRVINE, CA 92617 | AETNA LIFE INSURANCE CO. | $128K | $9K | $137K | 10.19% |
| F.B.P. INSURANCE, LLC3 | 130 THEORY, SUITE 200 IRVINE, CA 92617 | JOHN HANCOCK LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| RUTH I LARKIN3 Filed as: RUTH I. LARKIN | 200 WADSWORTH BLVD, #202 LAKEWOOD, CO 80214 | GENWORTH LIFE INSURANCE COMPANY | $5K | — | $5K | 7.87% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES LLP | 2000 CROW CANYON PLACE, #220 SAN RAMON, CA 94583 | GENWORTH LIFE INSURANCE COMPANY | $3K | — | $3K | 3.94% |
| F.B.P. INSURANCE SERVICES, LLC0 Filed as: F.B.P. INSURANCE SERVICES LLC | 130 THEORY, SUITE 200 IRVINE, CA 92617 | FOUR EVER LIFE INS CO. | $1K | — | $1K | 15.00% |
| F.B.P. INSURANCE SERVICES, LLC3 | 130 THEORY, SUITE 200 IRVINE, CA 92617 | ACE AMERICAN INSURANCE COMPANY | $569 | — | $569 | 15.01% |
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 | 3,855 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,899 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,321 | $661K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 65 | $652K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 65 | $652K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 5,841 | $1.4M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 5,841 | $1.4M |
| Other(7 contracts, 7 carriers) | AETNA LIFE INSURANCE CO. | 5,841 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,841 | — |
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.