| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTENNIAL GROUP BENEFITS3 | PO BOX 3387 SEAL BEACH, CA 90740 | KAISER FOUNDATION HEALTH PLAN INC | $91K | $0 | $91K | 5.41% |
| CENTENNIAL GROUP BENEFITS3 | PO BOX 3387 SEAL BEACH, CA 90740 | AETNA HEALTH, INC. | $53K | $0 | $53K | 4.11% |
| CENTENNIAL GROUP BENEFITS3 | PO BOX 3387 SEAL BEACH, CA 90740 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.32% |
| CENTENNIAL GROUP BENEFITS3 | PO BOX 3387 SEAL BEACH, CA 90740 | AETNA LIFE INSURANCE CO. | $7K | $0 | $7K | 4.88% |
| CENTENNIAL GROUP BENEFITS3 | 245 FISCHER AVENUE, SUITE A-2 COSTA MESA, CA 92626 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 10.00% |
| CENTENNIAL GROUP BENEFITS3 | PO BOX 3387 SEAL BEACH, CA 90740 | SAFEGUARD HEALTH PLANS, INC. | $6K | $0 | $6K | 9.90% |
| CENTENNIAL GROUP BENEFITS3 | 245 FISCHER AVENUE, SUITE A-2 COSTA MESA, CA 92626 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.00% |
| CENTENNIAL GROUP BENEFITS3 | PO BOX 3387 SEAL BEACH, CA 90740 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 4.00% |
| CENTENNIAL GROUP BENEFITS3 | PO BOX 3387 SEAL BEACH, CA 90740 | LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 18.27% |
| CENTENNIAL GROUP BENEFITS3 | PO BOX 3387 SEAL BEACH, CA 90740 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $905 | $0 | $905 | 10.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $362 | $362 | 4.00% |
| CENTENNIAL GROUP BENEFITS3 | PO BOX 3387 SEAL BEACH, CA 90740 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 18.30% |
| CENTENNIAL GROUP BENEFITS3 | 245 FISCHER AVENUE, SUITE A-2 COSTA MESA, CA 92626 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $615 | $0 | $615 | 10.00% |
| CENTENNIAL GROUP BENEFITS3 | PO BOX 3387 SEAL BEACH, CA 90740 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $408 | $0 | $408 | 10.01% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $163 | $163 | 4.00% |
| CENTENNIAL GROUP BENEFITS3 | 245 FISCHER AVENUE, SUITE A-2 COSTA MESA, CA 92626 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $64 | $0 | $64 | 14.99% |
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 | 557 | 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) | 562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 432 | $3.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $233K |
| Vision | AETNA LIFE INSURANCE CO. | 432 | $151K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 557 | $54K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 58 | $9K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 473 | $61K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 432 | $3.1M |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 557 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 557 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.