| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WGB BENEFITS INSURANCE SERVICES3 | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | BLUE CROSS OF CALIFORNIA | $59K | — | $59K | 4.79% |
| WGB BENEFITS INSURANCE SERVICES3 | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $53 | $31K | 12.67% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $2K | $14K | 5.71% |
| WGB BENEFITS INSURANCE SERVICES3 | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $53 | $13K | 21.06% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET WOODRIDGE, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $547 | $4K | 5.90% |
| VITA ENROLLMENT SOLUTIONS LLC3 | 7325 JANES AVENUE WOODRIDGE, IL 60517 | METROPOLITAN LIFE INSURANCE COMPANY | $562 | $134 | $696 | 1.10% |
| WGB BENEFITS INSURANCE SERVICES3 | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $53 | $8K | 22.49% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $289 | $2K | 5.84% |
| VITA ENROLLMENT SOLUTIONS LLC3 | 7325 JANES AVENUE WOODRIDGE, IL 60517 | METROPOLITAN LIFE INSURANCE COMPANY | $494 | $113 | $607 | 1.80% |
| WGB BENEFITS INSURANCE SERVICES3 | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | SAFEGUARD HEALTH PLANS, INC. | $2K | — | $2K | 11.53% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC. | $1K | $171 | $1K | 5.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | $874 | — | $874 | 10.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METLIFE LEGAL PLANS | — | $118 | $118 | 1.35% |
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 | 279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 491 | $1.3M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 644 | $266K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 644 | $245K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 644 | $245K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 644 | $245K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 214 | $1.2M |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 644 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 644 | — |
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.