| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COST CONTROL INSURANCE SERVICE3 | 87 DUNES CIR CATHEDRAL CITY, CA 92234 | BLUE SHIELD OF CALIFORNIA | — | $142K | $142K | 5.31% |
| COST CONTROL INSURANCE SERVICE3 | 87 DUNES CIR CATHEDRAL CITY, CA 92234 | UNITED CONCORDIA INSURANCE COMPANY | $8K | — | $8K | 9.00% |
| COST CONTROL INSURANCE SERVICE3 | 87 DUNES CIR CATHEDRAL CITY, CA 92234 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| COST CONTROL INSURANCE SERVICE3 | 87 DUNES CIR CATHEDRAL CITY, CA 92234 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $3K | — | $3K | 9.99% |
| COST CONTROL INSURANCE SERVICE3 | 87 DUNES CIR CATHEDRAL CITY, CA 92234 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.08% |
| COST CONTROL INSURANCE SERVICE3 | 87 DUNES CIR CATHEDRAL CITY, CA 92234 | WESTERN DENTAL | $2K | — | $2K | 10.94% |
| COST CONTROL INSURANCE SERVICE3 | 87 DUNES CIR CATHEDRAL CITY, CA 92234 | AETNA LIFE INSURANCE CARRIER | $629 | — | $629 | 5.46% |
| COST CONTROL INSURANCE SERVICE3 | 87 DUNES CIR CATHEDRAL CITY, CA 92234 | AETNA HEALTH, INC. | $50K | — | $50K | — |
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 | 471 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 471 | $2.7M |
| Dental(3 contracts, 3 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 293 | $141K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 491 | $35K |
| Long-term disability | STANDARD INSURANCE COMPANY | 123 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.