| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD #1045 SANTA MONICA, CA 90405 | BLUE CARE NETWORK OF MICHIGAN | $11K | — | $11K | 2.85% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $73K | — | $73K | 24.67% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK #1045 SANTA MONICA, CA 90405 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.66% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK #1045 SANTA MONICA, CA 90405 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $195 | — | $195 | 0.64% |
| PACIFIC ADVISORS LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $46 | — | $46 | 0.15% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $797 | — | $797 | 10.01% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $532 | — | $532 | 10.00% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $416 | — | $416 | 9.99% |
| JAMES P BENNETT & CO3 Filed as: JAMES P. BENNETT & CO. | 2716 OCEANPARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | FEDERAL INSURANCE COMPANY | $556 | $86 | $642 | 17.33% |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 83 | $1.8M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 79 | $1.1M |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 83 | $328K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $52K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 58 | $24K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 37 | $19K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 54 | $386K |
| Other(8 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 194 | $495K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.