| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $65K | — | $65K | 6.91% |
| GARNETT POWERS & ASSOCIATES INC3 | 23361 MADERO SUITE 240 MISSION VIEJO, CA 92691 | AETNA HEALTH, INC. | $37K | — | $37K | 4.00% |
| GARNETT POWERS & ASSOCIATES INC3 | 25909 PALA SUITE 120 MISSION VIEJO, CA 92691 | AETNA HEALTH, INC. | $27K | — | $27K | 2.91% |
| GARNETT POWERS & ASSOCIATES INC3 | 23361 MADERO SUITE 240 MISSION VIEJO, CA 92691 | AETNA LIFE INSURANCE CO. | $21K | — | $21K | 4.19% |
| GARNETT POWERS & ASSOCIATES INC3 | 25909 PALA SUITE 120 MISSION VIEJO, CA 92691 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 2.88% |
| GARNETT POWERS ASSOC INC3 | GARNETT POWERS AND ASSOC 25909 PALA #120 MISSION VIEJO, CA 92691 | STANDARD INSURANCE COMPANY | $2K | $300 | $3K | 7.19% |
| GARNETT POWERS ASSOC INC3 | GARNETT POWERS AND ASSOC 25909 PALA #120 MISSION VIEJO, CA 92691 | STANDARD INSURANCE COMPANY | $1K | $176 | $2K | 7.30% |
| GARNETT POWERS ASSOC INC3 | GARNETT POWERS AND ASSOC 25909 PALA #120 MISSION VIEJO, CA 92691 | STANDARD INSURANCE COMPANY | $1K | $158 | $1K | 7.19% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES, INC. | 23361 MADERO MISSION VIEJO, CA 92691 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $816 | — | $816 | 4.65% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES, INC. | 25909 PALA, STE. 120 MISSION VIEJO, CA 92691 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $409 | — | $409 | 2.33% |
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 | 314 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 399 | $1.4M |
| Dental | AETNA LIFE INSURANCE CO. | 399 | $500K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 193 | $18K |
| Life insurance | STANDARD INSURANCE COMPANY | 398 | $23K |
| Short-term disability | STANDARD INSURANCE COMPANY | 341 | $38K |
| Long-term disability | STANDARD INSURANCE COMPANY | 341 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.