| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS & RISK SOLUTIONS, INC.3 Filed as: BENEFITS AND RISK SOLUTIONS INC | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $15K | $0 | $15K | 2.85% |
| BENEFITS & RISK SOLUTIONS, INC.3 Filed as: BENEFITS AND RISK SOLUTIONS INC | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | CIGNA GROUP INSURANCE | $41K | $0 | $41K | 10.00% |
| BENEFITS & RISK SOLUTIONS, INC.3 Filed as: BENEFITS AND RISK SOLUTIONS INC | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | UNION SECURITY INSURANCE COMPANY | $8K | $0 | $8K | 2.00% |
| BENEFITS & RISK SOLUTIONS, INC.3 Filed as: BENEFITS AND RISK SOLUTIONS INC | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | VISION SERVICE PLAN | $945 | $0 | $945 | 6.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 AFFILIATE OF PLAN | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Float revenue; Other fees Service code 12 | 1351 WM HOWARD ROAD CINCINNATI, OH 45206 | $592K |
| EXPRESS SCRIPTS INC | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $236K |
| BENEFITS AND RISK SOLUTIONS INC EIN 27-3274719 AFFILIATE OF PLAN | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 28402 COSTELLATION ROAD VALENCIA, CA 91355 | $145K |
| EXPRESS SCRIPTS EIN 16-1279199 AFFILIATE OF PLAN | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | 1351 WM HOWARD ROAD CINCINNATI, OH 45206 | $0 |
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 | 917 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 922 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 754 | $393K |
| Vision | VISION SERVICE PLAN | 772 | $15K |
| Life insurance | CIGNA GROUP INSURANCE | 917 | $410K |
| Short-term disability | CIGNA GROUP INSURANCE | 917 | $410K |
| Long-term disability | CIGNA GROUP INSURANCE | 917 | $410K |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 788 | $535K |
| Other | CIGNA GROUP INSURANCE | 917 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 917 | — |
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."
No prospect flags tripped on this filing.