| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARNETT POWERS & ASSOCIATES INC3 | 23361 MADERO SUITE 240 MISSION VIEJO, CA 92691 | AETNA HEALTH, INC. | $56K | — | $56K | 6.65% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES | INSURANCE SERVICES,IN 23361 MADERO STE 240 MISSION VIEJO, CA 926917900 | KAISER FOUNDATION HEALTH PLAN INC | $53K | — | $53K | 6.38% |
| GARNETT POWERS & ASSOCIATES INC3 | 23361 MADERO SUITE 240 MISSION VIEJO, CA 92691 | AETNA LIFE INSURANCE CO. | $30K | — | $30K | 6.73% |
| GARNETT POWERS ASSOC INC3 | 23361 MADERO STE 240 MISSION VIEJO, CA 92691 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.53% |
| GARNETT POWERS ASSOC INC3 | 23361 MADERO STE 240 MISSION VIEJO, CA 92691 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.53% |
| GARNETT POWERS ASSOC INC3 | 23361 MADERO STE 240 MISSION VIEJO, CA 92691 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 7.53% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES, INC. | 23361 MADERO MISSION VIEJO, CA 92691 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 6.78% |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 382 | $1.3M |
| Dental | AETNA LIFE INSURANCE CO. | 382 | $440K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 190 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 368 | $20K |
| Short-term disability | STANDARD INSURANCE COMPANY | 324 | $33K |
| Long-term disability | STANDARD INSURANCE COMPANY | 324 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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.