| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFLEX INSURANCE SERVICES LLC3 Filed as: BENEFLEX INSURANCE SERVICES INC. | 101 W ANAPAMU, THIRD FLOOR SANTA BARBARA, CA 93101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $97K | — | $97K | 19.81% |
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS COALITION SERVICES, LLC | 7632 SW DURHAM RD, SUITE 115 TIGARD, OR 97224 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | — | $28K | 5.67% |
| BENEFLEX INSURANCE SERVICES LLC3 Filed as: BENEFLEX INSURANCE SERVICES, LLC | 101 W ANAPAMU, THIRD FLOOR SANTA BARBARA, CA 93101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 4.06% |
| STOP LOSS INSURANCE SERVICES, INC.3 | PO BOX 845052 LOS ANGELES, CA 90084 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 0.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS OF CALIFORNIA EIN 95-4331852 NONE | Other services; Claims processing; Float revenue; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | P. O. BOX 60007 LOS ANGELES, CA 900600007 | $246K |
| GILSBAR, INC EIN 72-0519951 NONE | Other insurance fees and expenses Service code 73 | P. O. BOX 998 COVINGTON, LA 70434 | $10K |
| BENEFLEX INSURANCE SERVICES EIN 95-4331852 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 101 W. ANAPAMU STREET, THIRD FLOOR SANTA BARBARA, CA 93101 | $0 |
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 | 460 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 460 | $491K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 460 | $491K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.