| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARNETT POWERS & ASSOCIATES INC3 | 23361 MADERO SUITE 240 MISSION VIEJO, CA 92691 | AETNA LIFE INSURANCE CO. | $105K | — | $105K | 6.17% |
| GARNETT POWERS & ASSOCIATES INC3 | 23361 MADERO SUITE 240 MISSION VIEJO, CA 92691 | AETNA HEALTH, INC. | $87K | — | $87K | 5.84% |
| GARNETT-POWERS & ASSOCIATION INS3 Filed as: GARNETT-POWERS & ASSOC INS SERVICES | 2599 PALA STE 120 MISSION VIEJO, CA 926912778 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.02% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES | 25909 PALA STE. 120 MISSION VIEJO, CA 92691 | CALIFORNIA DENTAL NETWORK, INC. | $5K | — | $5K | 10.00% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES, INC. | 23361 MADERO MISSION VIEJO, CA 92691 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 7.00% |
| GARNETT POWERS ASSOC INC3 | GARNETT POWERS AND ASSOC 25099 PALA #120 MISSION VIEJO, CA 92691 | STANDARD INSURANCE COMPANY | $481 | $29 | $510 | 13.30% |
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 | 456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 483 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 443 | $1.7M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 265 | $179K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 410 | $34K |
| Life insurance | STANDARD INSURANCE COMPANY | 462 | $4K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 443 | $1.7M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 462 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.