| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTENNIAL GROUP BENEFITS INSURANCE3 | 245 FISCHER, SUITE A-2 COSTA MESA, CA 92626 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $66K | — | $66K | 5.52% |
| CENTENNIAL GROUP BENEFITS INSURANCE3 | 245 FISCHER, SUITE A-2 COSTA MESA, CA 92626 | KAISER FOUNDATION HEALTH PLAN INC. | $27K | — | $27K | 4.37% |
| CENTENNIAL GROUP BENEFITS INSURANCE3 | 245 FISCHER, SUITE A-2 COSTA MESA, CA 92626 | UNION SECURITY INSURANCE COMPANY | $22K | $8K | $30K | 11.47% |
| CENTENNIAL GROUP BENEFITS INSURANCE3 | 245 FISCHER, SUITE A-2 COSTA MESA, CA 92626 | ORRIANT, LLC | $248 | — | $248 | 0.75% |
| CENTENNIAL GROUP BENEFITS INSURANCE3 | 245 FISCHER, SUITE A-2 COSTA MESA, CA 92626 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $928 | — | $928 | 5.87% |
| CENTENNIAL GROUP BENEFITS INSURANCE3 | 245 FISCHER, SUITE A-2 COSTA MESA, CA 92626 | UDC DENTAL OF CALIFORNIA, INC. | $589 | $163 | $752 | 12.84% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 136 | $1.8M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 190 | $270K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 177 | $16K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 190 | $264K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 190 | $264K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 136 | $619K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 190 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.