| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS & RISK SOLUTIONS, INC.3 Filed as: BENEFITS & RISK SOLUTIONS INC. | 28402 CONSTELLATION RD VALENCIA, CA 91355 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| BENEFITS & RISK SOLUTIONS, INC.3 Filed as: BENEFITS & RISK SOLUTIONS INC. | 28402 CONSTELLATION RD VALENCIA, CA 91355 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $69K | $0 | $69K | 12.40% |
| BENEFITS & RISK SOLUTIONS, INC.3 Filed as: BENEFITS & RISK SOLUTIONS INC. | 28402 CONSTELLATION RD VALENCIA, CA 91355 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $0 | $10K | 2.06% |
| BENEFITS & RISK SOLUTIONS, INC.3 Filed as: BENEFITS & RISK SOLUTIONS INC. | 28402 CONSTELLATION RD VALENCIA, CA 91355 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.30% |
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 | 1,245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 883 | $820K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 838 | $488K |
| Vision | VISION SERVICE PLAN | 888 | $62K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,245 | $558K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,245 | $558K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,245 | $558K |
| Prescription drug | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 883 | $820K |
| Other | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,245 | $558K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,245 | — |
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.