| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91701 | BLUE SHIELD OF CALIFORNIA CALIFORNIA PHYSICIANS | $57K | — | $57K | 5.00% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 10.92% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 19.44% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 24.93% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | RELIANCE STANDARD | $2K | — | $2K | 20.00% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $475 | — | $475 | 5.00% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | UNION SECURITY DENTALCARE OF GEORGIA, INC. | $504 | — | $504 | 11.10% |
| ROBERT E. DUNCAN3 | 1000 LAKES DRIVE SUITE 330 WEST COVINA, CA 91790 | UDC DENTAL OF CALIFORNIA, INC. | $448 | — | $448 | 10.02% |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA CALIFORNIA PHYSICIANS | 186 | $1.1M |
| Dental(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 69 | $56K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 85 | $16K |
| Life insurance | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | 171 | $10K |
| Short-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY | 54 | $27K |
| Long-term disability | RELIANCE STANDARD | 26 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.