| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES P BENNETT & CO3 Filed as: JAMES P. BENNETT & CO | 2716 OCEAN PARK BLVD #1045 SANTA MONICA, CA 90405 | BLUE CROSS OF CALIFORNIA | $67K | — | $67K | 7.40% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $67K | — | $67K | 21.27% |
| PATRICIA CLINE3 | 444 WEST MICHIGAN AVENUE KALAMAZOO, MI 49005 | BLUE CARE NETWORK OF MICHIGAN | $14K | — | $14K | 4.42% |
| GROTENHUIS3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 1.05% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULVARD SUITE 1045 SANTA MONICA, CA 90405 | AETNA LIFE INSURANCE CO | $8K | — | $8K | 9.73% |
| CHRISTOPHER T FISHER LLC3 | PO BOX 50631 KALAMAZOO, MI 49005 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 6.39% |
| JAMES P BENNETT AND CO3 Filed as: JAMES P BENETT & CO | 2716 OCEAN PARK BLVD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $112 | $2K | 10.48% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BLVD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $120 | $2K | 10.57% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BLVD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $767 | $79 | $846 | 11.03% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BLVD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $626 | $29 | $655 | 10.46% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BLVD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $597 | $33 | $630 | 10.56% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BLVD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $466 | $29 | $495 | 10.63% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | FEDERAL INSURANCE COMPANY | $521 | — | $521 | 15.01% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 143 | $1.5M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 202 | $108K |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 105 | $342K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $21K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 50 | $5K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 28 | $6K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 50 | $312K |
| Other(6 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 214 | $374K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.