| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WGB BENEFITS INSURANCE SERVICES3 Filed as: WGB BENEFITS INSURANCE BROKERS, L.P | 15901 RED HILL AVE STE 100 TUSTIN, CA 927807318 | KAISER FOUNDATION HEALTH PLANS, INC. | $49K | — | $49K | 2.90% |
| BURNHAM BENEFITS INSURANCE SERVICES | 2211 MICHELSON DR STE 1200 IRVINE, CA 926120304 | KAISER FOUNDATION HEALTH PLANS, INC. | $10K | — | $10K | 0.57% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $3K | $16K | 33.73% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | — | $799 | $799 | 1.67% |
| WGB BENEFITS INSURANCE SERVICES Filed as: WGB BENEFITS INSURNACE BROKERS LP | 15901 RED HILL AVE STE 100 TUSTIN, CA 92780 | METROPOLITAN LIFE INSURANCE COMPANY | — | $458 | $458 | 0.96% |
| WOOD GUTMANN & BOGART INSURANCE BRO | 15901 RED HILL AVE STE 100 TUSTIN, CA 92780 | METROPOLITAN LIFE INSURANCE COMPANY | — | $118 | $118 | 0.25% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | — | $463 | $463 | 1.72% |
| WGB BENEFITS INSURANCE SERVICES Filed as: WGB BENEFITS INSURANCE BROKERS LP | 15901 RED HILL AVE STE 100 TUSTIN, CA 92780 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | — | $258 | $258 | 0.96% |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLANS, INC. | 122 | $1.7M |
| Dental | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | 223 | $27K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $48K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $48K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.