| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS AND ASSOCIATES INS. | 25909 PALA, SUITE 120 MISSION VIEJO, CA 92691 | KAISER FOUNDATION HEALTH PLAN INC | $75K | $0 | $75K | 7.06% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS AND ASSOCIATES INC. | 25909 PALA, SUITE 120 MISSION VIEJO, CA 92691 | AETNA HEALTH OF CALIFORNIA INC. | $70K | $0 | $70K | 6.83% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT POWERS AND ASSOCIATES, INC. | 25909 PALA, SUITE 120 MISSION VIEJO, CA 92691 | AETNA LIFE INSURANCE COMPANY | $33K | $73 | $33K | 6.95% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS AND ASSOCIATES, INC. | 25909 PALA, SUITE 120 MISSION VIEJO, CA 92691 | STANDARD INSURANCE COMPANY | $4K | $481 | $5K | 5.49% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS ASSOCIATES, INC. | 25909 PALA, SUITE 120 MISSION VIEJO, CA 92691 | STANDARD INSURANCE COMPANY | $2K | $191 | $2K | 2.24% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS ASSOCIATES, INC. | 25909 PALA, SUITE 120 MISSION VIEJO, CA 92691 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 6.28% |
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 | 341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 238 | $2.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 427 | $479K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 229 | $19K |
| Life insurance | STANDARD INSURANCE COMPANY | 430 | $85K |
| Short-term disability | STANDARD INSURANCE COMPANY | 430 | $85K |
| Long-term disability | STANDARD INSURANCE COMPANY | 430 | $85K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 238 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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.