| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 301 E. COLORADO BLVD. PASADENA, CA 91101 | HEALTH NET | $122K | — | $122K | 5.99% |
| MILLENNIUM CORPORATE SOLUTIONS3 | 5530 TRABUCO ROAD IRVINE, CA 92620 | UNITED CONCORDIA INSURANCE COMPANY | $4K | — | $4K | 6.76% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 2125 YGNACIO VALLEY ROAD WALNUT CREEK, CA 94596 | UNITED CONCORDIA INSURANCE COMPANY | $2K | — | $2K | 3.23% |
| MILLENNIUM CORPORATE SOLUTIONS3 | 5530 TRABUCO ROAD IRVINE, CA 92620 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $2K | — | $2K | 6.66% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 2125 YGNACIO VALLEY ROAD WALNUT CREEK, CA 94596 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $955 | — | $955 | 3.32% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 2125 YGNACIO VALLEY ROAD WALNUT CREEK, CA 94596 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 10.06% |
| MILLENNIUM CORPORATE SOLUTIONS3 | 5530 TRABUCO ROAD IRVINE, CA 92620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| MILLENNIUM CORPORATE SOLUTIONS3 | 5530 TRABUCO ROAD IRVINE, CA 92620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $713 | — | $713 | 15.00% |
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 | 360 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 250 | $2.0M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 146 | $85K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 225 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 21 | $5K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.