| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED ESTATE & INS SERV INC | — | CALIFORNIACHOICE | $52K | — | $52K | 5.00% |
| AMWINS3 Filed as: AMWINS CONNECT INS SVCS LLC | 1600 W HILLSDALE BLVD SAN MATEO, CA 94401 | CALIFORNIACHOICE | $32K | — | $32K | 3.10% |
| ADVANCED ESTATE & INS. SERVICES INC5 Filed as: ADVANCED ESTATE & INSURANCE SERVICE | 306 6TH AVENUE, SUITE B SAN MATEO, CA 94401 | PREMIER ACCESS INSURANCE COMPANY | $13K | — | $13K | 9.96% |
| ADVANCED ESTATE & INS. SERVICES INC3 Filed as: ADVANCED ESTATE & INSURANCE SERVICE | 306 6TH AVE STE B SAN MATEO, CA 94401 | VISION SERVICE PLAN | $1K | — | $1K | 5.29% |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIACHOICE | 95 | $1.0M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 128 | $130K |
| Vision | VISION SERVICE PLAN | 121 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.