| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT JONES3 | 205 E. MEMORY LANE SANTA ANA, CA 92705 | STANDARD INSURANCE COMPANY | $57K | $8K | $66K | 13.81% |
| SCOTT JONES3 | 205 EAST MEMORY LANE SANTA ANA, CA 92705 | GREATER GEORGIA LIFE | $30K | — | $30K | 11.39% |
| SCOTT JONES3 | 205 MEMORY LANE SANTA ANA, CA 92705 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 3.00% |
| SCOTT JONES3 | 205 EAST MEMORY LANE SANTA ANA, CA 92705 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $23K | — | $23K | 32.32% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | — | $909 | $909 | 1.28% |
| SCOTT E JONES3 Filed as: SCOTT E. JONES | 205 EAST MEMORY LANE SANTA ANA, CA 92705 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $731 | — | $731 | 10.00% |
| CONSOLIDATE FINANCIAL3 | UNKNOWN CANTON, GA 30114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15 | — | $15 | 0.21% |
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 | 745 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 748 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 13 | $85K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 1,220 | $78K |
| Life insurance(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 745 | $749K |
| Short-term disability(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 745 | $749K |
| Long-term disability(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 745 | $749K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 13 | $85K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 745 | $749K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,220 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.