| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRAKKE SCHAFNITZ INSURANCE BROKERS3 | 28202 CABOT ROAD, SUITE 600 LAGUNA NIGUEL, CA 92677 | KAISER PERMANENTE | $117K | — | $117K | 4.33% |
| BRAKKE SCHAFNITZ INSURANCE BROKERS3 | 28202 CABOT ROAD, SUITE 600 LAGUNA NIGUEL, CA 92677 | UNITED CONCORDIA INSURANCE COMPANY | $7K | — | $7K | 4.56% |
| BRAKKE SCHAFNITZ INSURANCE BROKERS3 | 28202 CABOT ROAD, SUITE 600 LAGUNA NIGUEL, CA 92677 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $3K | — | $3K | 4.60% |
| BRAKKE SCHAFNITZ INSURANCE BROKERS3 | 28202 CABOT ROAD, SUITE 600 LAGUNA NIGUEL, CA 92677 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| BRAKKE SCHAFNITZ INSURANCE BROKERS3 | 28202 CABOT ROAD, SUITE 600 LAGUNA NIGUEL, CA 92677 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 4.62% |
| BRAKKE SCHAFNITZ INSURANCE BROKERS3 | 28202 CABOT ROAD, SUITE 600 LAGUNA NIGUEL, CA 92677 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| COLONIAL LIFE & ACCIDENT3 | P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $4K | $17K | 58.34% |
| BRAKKE SCHAFNITZ INSURANCE BROKERS3 | 28202 CABOT ROAD, SUITE 600 LAGUNA NIGUEL, CA 92677 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BRAKKE SCHAFNITZ INSURANCE BROKERS3 | 28202 CABOT ROAD, SUITE 600 LAGUNA NIGUEL, CA 92677 | BLUE CROSS OF CALIFORNIA | $478 | — | $478 | 5.01% |
| BRAKKE SCHAFNITZ INSURANCE BROKERS3 | 28202 CABOT ROAD, SUITE 500 LAGUNA NIGUEL, CA 92677 | TRANSAMERICA LIFE INSURANCE COMPANY | $288 | — | $288 | 4.32% |
| BRAKKE SCHAFNITZ INSURANCE BROKERS3 | 28202 CABOT ROAD, SUITE 600 LAGUNA NIGUEL, CA 92677 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 100.00% |
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 | 450 | 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) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER PERMANENTE | 421 | $2.7M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 271 | $207K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 405 | $48K |
| Life insurance(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 450 | $61K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 70 | $64K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 450 | $51K |
| Prescription drug | KAISER PERMANENTE | 421 | $2.7M |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 450 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 450 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.