| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WYATT E MALCOLM3 | 4160 TEMESCAL CANYON ROAD CORONA, CA 92883 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $264 | — | $264 | 2.24% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $923 | $33 | $956 | 9.59% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $413 | $41 | $454 | 6.93% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $786 | $17 | $803 | 16.33% |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 205 | $1.8M |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 156 | $157K |
| Vision | STANDARD INSURANCE COMPANY | 193 | $24K |
| Life insurance | STANDARD INSURANCE COMPANY | 345 | $66K |
| Short-term disability | STANDARD INSURANCE COMPANY | 123 | $11K |
| Long-term disability | STANDARD INSURANCE COMPANY | 345 | $53K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 205 | $1.8M |
| Other | STANDARD INSURANCE COMPANY | 345 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.