| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGOLDRICK CONSULTING INC3 Filed as: MCGOLDRICK CONSULTING INC DBA | ADAMSON AND MCGOLDRICK 1150 E ORANGETHORPE AVE PLACENTIA, CA 92870 | AETNA HEALTH INC. | $65K | — | $65K | 5.19% |
| MCGOLDRICK CONSULTING INC3 Filed as: MCGOLDRICK CONSULTING INC DBA | ADAMSON AND MCGOLDRICK 1150 E ORANGETHORPE AVE PLACENTIA, CA 92870 | AETNA LIFE INSURANCE CO. | $12K | — | $12K | 4.54% |
| MCGOLDRICK CONSULTING INC3 | 1150 E ORANGETHORPE AVE STE 100 PLACENTIA, CA 92870 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.16% |
| MCGOLDRICK CONSULTING INC3 | 1150 E ORANGETHORPE AVE STE 100 PLACENTIA, CA 92870 | VISION SERVICE PLAN | $521 | — | $521 | 2.62% |
| MCGOLDRICK CONSULTING INC3 | 1150 E ORANGETHORPE AVE STE 100 PLACENTIA, CA 92870 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $645 | — | $645 | 9.15% |
| MCGOLDRICK CONSULTING INC3 | 1150 E ORANGETHORPE AVE STE 100 PLACENTIA, CA 92870 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $194 | — | $194 | 9.17% |
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 | 120 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH INC. | 241 | $1.5M |
| Vision | VISION SERVICE PLAN | 116 | $20K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $7K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $21K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.