| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT ADMINISTRATORS3 | 424 N FIRST AVE ARCADIA, CA 91006 | GERBER LIFE | $47K | — | $47K | 7.00% |
| EMPLOYEE BENEFIT ADMINISTRATORS3 | 424 N FIRST AVE ARCADIA, CA 91006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $8K | 19.00% |
| EMPLOYEE BENEFIT ADMINISTRATORS3 | 424 N FIRST AVE ARCADIA, CA 91006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $630 | $2K | 14.00% |
| EMPLOYEE BENEFIT ADMINISTRATORS3 | 424 N FIRST AVE ARCADIA, CA 91006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $369 | $2K | 24.01% |
| EMPLOYEE BENEFIT ADMINISTRATORS3 | 424 N FIRST AVE ARCADIA, CA 91006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $567 | $283 | $850 | 12.02% |
| EMPLOYEE BENEFIT ADMINISTRATORS3 | 424 N FIRST AVE ARCADIA, CA 91006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $579 | $154 | $733 | 18.99% |
| EMPLOYEE BENEFIT ADMINISTRATORS | 424 N FIRST AVE STE 1200 ARCADIA, CA 91006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT ADMINISTRATORS EIN 95-0356363 | Accounting (including auditing) Service code 10 | 424 N. FIRST AVENUE ARCADIA, CA 910062804 | $173K |
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 | 258 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 0 | $0 |
| Life insurance(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 283 | $61K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 33 | $7K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE | 258 | $672K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 283 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.