| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS-MCCARTY INS SERVICES3 | P.O. BOX 5406 SAN CLEMENTE, CA 92674 | CIGNA HEALTH AND LIFE COMPANY | $65K | — | $65K | 6.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS LLC | 1600 HILLSDALE BLVD SUITE 201 SAN MATEO, CA 94403 | CIGNA HEALTH AND LIFE COMPANY | — | $22K | $22K | 2.00% |
| DOUGLAS-MCCARTY INS SERVICES3 | P.O. BOX 5406 SAN CLEMENTE, CA 92674 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 12.16% |
| DOUGLAS-MCCARTY INS SERVICES3 | P.O. BOX 5406 SAN CLEMENTE, CA 92674 | STANDARD INSURANCE COMPANY | $12K | $2K | $15K | 23.69% |
| DOUGLAS-MCCARTY INS SERVICES3 | P.O. BOX 5406 SAN CLEMENTE, CA 92674 | STANDARD INSURANCE COMPANY | $3K | $570 | $4K | 22.86% |
| DOUGLAS-MCCARTY INS SERVICES3 | P.O. BOX 5406 SAN CLEMENTE, CA 92674 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 15.26% |
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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE COMPANY | 111 | $1.1M |
| Dental | STANDARD INSURANCE COMPANY | 116 | $115K |
| Vision | STANDARD INSURANCE COMPANY | 113 | $15K |
| Life insurance | STANDARD INSURANCE COMPANY | 118 | $62K |
| Long-term disability | STANDARD INSURANCE COMPANY | 63 | $16K |
| Prescription drug | CIGNA HEALTH AND LIFE COMPANY | 111 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.