| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | CALIFORNIA PHYSICIANS SERVICE | — | $61K | $61K | 4.74% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $3K | $33K | 14.99% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL - SEE ATTACHMENT | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $861 | $10K | 14.58% |
| SNAPENROLL LLC3 | 3737 BIRCH STREET, SUITE 210 NEWPORT BEACH, CA 92660 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $919 | — | $919 | 7.09% |
| SCOTT ROBINSON INS SVCS LLC3 | 20340 HAWTHORNE BLVD TORRANCE, CA 90503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $349 | — | $349 | 2.69% |
| GAVIN DUNNE3 | 17203 VENTURA BLVD, STE 5 ENCINO, CA 91316 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | — | $70 | 0.54% |
| NTH INSURANCE AGENCY INC.3 Filed as: NTH INS AGENCY DBA ALLIANCE 360 | 10833 VALLEY VIEW, STE 550 CYPRESS, CA 90630 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | — | $59 | 0.46% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | SAFEGUARD HEALTH PLANS, INC. | $578 | $165 | $743 | 6.77% |
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 | 303 | 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) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 159 | $1.3M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $245K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $234K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 278 | $13K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $221K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $221K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 159 | $1.3M |
| Other(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 278 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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.