| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COST CONTROL INSURANCE SERVICE Filed as: COST CONTROL INSURANCE SERVICES | 87 DUNES CIRCLE CATHEDRAL CITY, CA 92234 | AETNA HEALTH, INC. | $142K | — | $142K | 5.68% |
| COST CONTROL INSURANCE SERVICE Filed as: COST CONTROL INSURANCE SERVICES | 87 DUNES CIRCLE CATHEDRAL CITY, CA 92234 | AETNA HEALTH, INC. | $56K | — | $56K | 5.31% |
| COST CONTROL INSURANCE SERVICE Filed as: COST CONTROL INSURANCE SERVICES | 87 DUNES CIRCLE CATHEDRAL CITY, CA 92234 | AETNA LIFE INSURANCE CO. | $15K | — | $15K | 5.67% |
| COST CONTROL INSURANCE SERVICE Filed as: COST CONTROL INSURANCE SERVICES | 87 DUNES CIRCLE CATHEDRAL CITY, CA 92234 | UNITED CONCORDIA INSURANCE COMPANY | $7K | — | $7K | 9.00% |
| COST CONTROL INSURANCE SERVICE3 Filed as: COST CONTROL INSURANCE SERVICES | 87 DUNES CIRCLE CATHEDRAL CITY, CA 92234 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| COST CONTROL INSURANCE SERVICE Filed as: COST CONTROL INSURANCE SERVICES | 87 DUNES CIRCLE CATHEDRAL CITY, CA 92234 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $3K | — | $3K | 9.13% |
| COST CONTROL INSURANCE SERVICE Filed as: COST CONTROL INSURANCE SERVICES | 87 DUNES CIRCLE CATHEDRAL CITY, CA 92234 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 5.32% |
| COST CONTROL INSURANCE SERVICE3 Filed as: COST CONTROL INSURANCE SERVICES | 87 DUNES CIRCLE CATHEDRAL CITY, CA 92234 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 8.13% |
| COST CONTROL INSURANCE SERVICE Filed as: COST CONTROL INSURANCE SERVICES | 87 DUNES CIRCLE CATHEDRAL CITY, CA 92234 | WESTERN DENTAL | — | $2K | $2K | 20.69% |
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 | 474 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE CO. | 21 | $284K |
| Dental(3 contracts, 3 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 233 | $115K |
| Life insurance | STANDARD INSURANCE COMPANY | 496 | $23K |
| Long-term disability | STANDARD INSURANCE COMPANY | 103 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.