| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | PO BOX 5406 SAN CLEMENTE, CA 92674 | UNITED HEALTHCARE INSURANCE COMPANY | $63K | — | $63K | 5.49% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N MAIN ST SUITE 800 SANTA ANA, CA 92705 | UNITED HEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 0.91% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | PO BOX 5406 SAN CLEMENTE, CA 92674 | STANDARD INSURANCE COMPANY | $13K | $2K | $15K | 11.97% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | PO BOX 5406 SAN CLEMENTE, CA 92674 | STANDARD INSURANCE COMPANY | $11K | $2K | $13K | 19.73% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | PO BOX 5406 SAN CLEMENTE, CA 92674 | ARMADACARE | $2K | — | $2K | 2.26% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | PO BOX 5406 SAN CLEMENTE, CA 92674 | STANDARD INSURANCE COMPANY | $3K | $542 | $3K | 19.05% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | PO BOX 5406 SAN CLEMENTE, CA 92674 | STANDARD INSURANCE COMPANY | $2K | $279 | $2K | 12.88% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | PO BOX 5406 SAN CLEMENTE, CA 92674 | STANDARD INSURANCE COMPANY | $2K | $287 | $2K | 25.95% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | PO BOX 5406 SAN CLEMENTE, CA 92674 | STANDARD INSURANCE COMPANY | $1K | $219 | $1K | 20.98% |
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 | 134 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 231 | $1.1M |
| Dental | STANDARD INSURANCE COMPANY | 123 | $125K |
| Vision | STANDARD INSURANCE COMPANY | 123 | $15K |
| Life insurance | STANDARD INSURANCE COMPANY | 136 | $68K |
| Short-term disability | STANDARD INSURANCE COMPANY | 50 | $7K |
| Long-term disability | STANDARD INSURANCE COMPANY | 51 | $16K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 231 | $1.1M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 136 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.