| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRAKKE SCHAFNITZ INSURANCE BROKERS3 | 28202 CABOT ROAD, SUITE 600 LAGUNA NIGUEL, CA 92677 | KAISER PERMANENTE | $106K | — | $106K | 4.00% |
| BRAKKE SCHAFNITZ INSURANCE BROKERS3 | 28202 CABOT ROAD, SUITE 600 LAGUNA NIGUEL, CA 92677 | UNITED CONCORDIA INSURANCE COMPANY | $9K | — | $9K | 5.81% |
| BRAKKE SCHAFNITZ INSURANCE BROKERS3 | 28202 CABOT ROAD, SUITE 600 LAGUNA NIGUEL, CA 92677 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $550 | $6K | 11.04% |
| BRAKKE SCHAFNITZ INSURANCE BROKERS3 | 28202 CABOT ROAD, SUITE 600 LAGUNA NIGUEL, CA 92677 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $3K | — | $3K | 5.41% |
| BRAKKE SCHAFNITZ INSURANCE BROKERS3 | 28202 CABOT ROAD, SUITE 600 LAGUNA NIGUEL, CA 92677 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 5.37% |
| BRAKKE SCHAFNITZ INSURANCE BROKERS3 | 28202 CABOT ROAD, SUITE 600 LAGUNA NIGUEL, CA 92677 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $197 | $4K | 10.55% |
| BRAKKE SCHAFNITZ INSURANCE BROKERS3 | 28202 CABOT ROAD, SUITE 600 LAGUNA NIGUEL, CA 92677 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $318 | $3K | 11.02% |
| COLONIAL LIFE & ACCIDENT3 | P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $1K | $8K | 25.68% |
| BRAKKE SCHAFNITZ INSURANCE BROKERS3 | 28202 CABOT ROAD, SUITE 600 LAGUNA NIGUEL, CA 92677 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $301 | $3K | 10.99% |
| BRAKKE SCHAFNITZ INSURANCE BROKERS3 | 28202 CABOT ROAD, SUITE 600 LAGUNA NIGUEL, CA 92677 | BLUE CROSS OF CALIFORNIA | $519 | — | $519 | 4.61% |
| BRAKKE SCHAFNITZ INSURANCE BROKERS3 | 28202 CABOT ROAD, SUITE 500 LAGUNA NIGUEL, CA 92677 | TRANSAMERICA LIFE INSURANCE COMPANY | $238 | — | $238 | 4.14% |
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 | 455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER PERMANENTE | 407 | $2.7M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 250 | $209K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 399 | $49K |
| Life insurance(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 455 | $103K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 63 | $62K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 455 | $53K |
| Prescription drug | KAISER PERMANENTE | 407 | $2.7M |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 455 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.