| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 25909 PALA MISSION VIEJO, CA 92691 | AETNA LIFE INSURANCE COMPANY | $55K | $0 | $55K | 2.99% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT POWERS AND ASSOCIATES, INC. | 25909 PALA MISSION VIEJO, CA 92691 | AETNA LIFE INSURANCE COMPANY | $43K | $73 | $43K | 2.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 25909 PALA MISSION VIEJO, CA 92691 | AETNA HEALTH OF CALIFORNIA INC. | $49K | $0 | $49K | 2.93% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT POWERS AND ASSOCIATES, INC. | 25909 PALA MISSION VIEJO, CA 92691 | AETNA HEALTH OF CALIFORNIA INC. | $43K | $0 | $43K | 2.59% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT POWERS AND ASSOCIATES, INC. | 25909 PALA, SUITE 120 MISSION VIEJO, CA 92691 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 25909 PALA, SUITE 120 MISSION VIEJO, CA 92691 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 25909 PALA, SUITE 120 MISSION VIEJO, CA 92691 | CALIFORNIA DENTAL NETWORK, INC. | $5K | $0 | $5K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2322 WEST GRAND PARKWAY NORTH KATY, TX 77449 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 6.38% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT POWERS AND ASSOCIATES, INC. | 29122 RANCHO VIEJO ROAD, SUITE 211 SAN JUAN CAPISTRANO, CA 92675 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 3.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 25909 PALA, SUITE 120 MISSION VIEJO, CA 92691 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 4.54% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT POWERS AND ASSOCIATES, INC. | 25909 PALA, SUITE 120 MISSION VIEJO, CA 92691 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 4.14% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT POWERS AND ASSOCIATES, INC. | 29122 RANCHO VIEJO ROAD, SUITE 211 SAN JUAN CAPISTRANO, CA 92675 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $639 | $0 | $639 | 1.58% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT POWERS AND ASSOCIATES, INC. | 29122 RANCHO VIEJO ROAD, SUITE 211 SAN JUAN CAPISTRANO, CA 92575 | STANDARD INSURANCE COMPANY | $235 | $31 | $266 | 6.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 25909 PALA, SUITE 120 MISSION VIEJO, CA 92691 | STANDARD INSURANCE COMPANY | $250 | $0 | $250 | 6.06% |
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 | 487 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 391 | $3.5M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 239 | $179K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 444 | $40K |
| Life insurance | STANDARD INSURANCE COMPANY | 474 | $4K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 475 | $41K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 475 | $41K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 391 | $3.5M |
| Other | STANDARD INSURANCE COMPANY | 474 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 475 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.