| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTENNIAL GROUP BENEFITS3 | P.O. BOX 3387 SEAL BEACH, CA 90740 | KAISER FOUNDATION HEALTH PLAN INC. | $95K | — | $95K | 5.00% |
| CENTENNIAL GROUP BENEFITS3 | P.O. BOX 3387 SEAL BEACH, CA 90740 | AETNA HEALTH, INC. | $70K | — | $70K | 5.42% |
| CENTENNIAL GROUP BENEFITS3 | P.O. BOX 3387 SEAL BEACH, CA 90740 | AETNA LIFE INSURANCE CO. | $12K | $139 | $12K | 6.12% |
| CENTENNIAL GROUP BENEFITS3 | P.O. BOX 3387 SEAL BEACH, CA 90740 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.60% |
| CENTENNIAL GROUP BENEFITS3 | PO BOX 26457 SANTA ANA, CA 92799 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 9.88% |
| CENTENNIAL GROUP BENEFITS3 | P.O. BOX 3387 SEAL BEACH, CA 90740 | SAFEGUARD HEALTH PLANS, INC. | $6K | — | $6K | 9.90% |
| CENTENNIAL GROUP BENEFITS3 | PO BOX 26457 SANTA ANA, CA 92799 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $465 | $4K | 11.32% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 4.00% |
| CENTENNIAL GROUP BENEFITS3 | PO BOX 24657 SANTA ANA, CA 92799 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.25% |
| CENTENNIAL GROUP BENEFITS3 | P.O. BOX 3387 SEAL BEACH, CA 90740 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 19.07% |
| CENTENNIAL GROUP BENEFITS3 | PO BOX 26457 SANTA ANA, CA 92799 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $157 | $2K | 11.04% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $603 | $603 | 4.00% |
| CENTENNIAL GROUP BENEFITS3 | P.O. BOX 3387 SEAL BEACH, CA 90740 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 19.43% |
| CENTENNIAL GROUP BENEFITS3 | PO BOX 26457 SANTA ANA, CA 92799 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $818 | — | $818 | 13.62% |
| CENTENNIAL GROUP BENEFITS3 | PO BOX 26457 SANTA ANA, CA 92799 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $534 | $73 | $607 | 11.38% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $213 | $213 | 3.99% |
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 | 504 | 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) | 508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 493 | $3.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 462 | $227K |
| Vision | AETNA LIFE INSURANCE CO. | 493 | $194K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 558 | $62K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 107 | $15K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 457 | $61K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 493 | $1.5M |
| Other(5 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 558 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 558 | — |
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.