| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT ADMINISTRATORS4 | 424 N FIRST AVE ARCADIA, CA 91006 | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | $83K | — | $83K | 10.00% |
| EMPLOYEE BENEFIT ADMINISTRATORS3 | 424 N FIRST AVE ARCADIA, CA 91006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $2K | $10K | 19.04% |
| EMPLOYEE BENEFIT ADMINISTRATORS3 | 424 N FIRST AVE ARCADIA, CA 91006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $751 | $3K | 9.64% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES,LLC | 900 E. HAMILTON AVE, STE 250 CAMPBELL, CA 95008 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $848 | — | $848 | 3.11% |
| EMPLOYEE BENEFIT ADMINISTRATORS3 | 424 N FIRST AVE ARCADIA, CA 91006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $522 | $2K | 8.76% |
| FILICE INSURANCE AGENCY Filed as: FILICE INSURANCE SERVICES,LLC | 900 E. HAMILTON AVE, STE 250 CAMPBELL, CA 95008 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $386 | — | $386 | 2.16% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES,LLC | 900 E. HAMILTON AVE, STE 250 CAMPBELL, CA 95008 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 12.90% |
| EMPLOYEE BENEFIT ADMINISTRATORS3 | 424 N FIRST AVE ARCADIA, CA 91006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $684 | $137 | $821 | 8.53% |
| EMPLOYEE BENEFIT ADMINISTRATORS3 | 424 N FIRST AVE ARCADIA, CA 91006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $483 | $129 | $612 | 19.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT ADMINISTRATORS EIN 95-0356363 | Accounting (including auditing) Service code 10 | 424 N. FIRST AVENUE ARCADIA, CA 910062804 | $129K |
| PINNACLE CLAIMS MANAGEMENT, INC EIN 33-0812456 NONE | Claims processing Service code 12 | 6501 IRVINE CENTER DRIVE, SUITE 100 IRVINE, CA 92618 | $46K |
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 | 247 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,580 | $81K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 295 | $18K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 247 | $827K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 295 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,580 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.