| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | KAISER FOUNDATION HEALTH PLAN INC. | $35K | — | $35K | 2.57% |
| MARK JAMES CORMANY3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | KAISER FOUNDATION HEALTH PLAN INC. | $33K | — | $33K | 2.43% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVENUE TUSTIN, CA 92780 | AETNA HEALTH, INC. | $46K | — | $46K | 3.70% |
| FRENCH CORMANY INSURANCE SERVICES3 | ONE CORPORATE PARK IRVINE, CA 92606 | AETNA HEALTH, INC. | $28K | — | $28K | 2.21% |
| FRENCH CORMANY INSURANCE SERVICES3 | ONE CORPORATE PARK IRVINE, CA 92606 | AETNA LIFE INSURANCE CO. | $16K | — | $16K | 5.02% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVENUE TUSTIN, CA 92780 | AETNA LIFE INSURANCE CO. | $15K | — | $15K | 4.68% |
| FRENCH CORMANY INSURANCE SERVICES3 Filed as: FRENCH AND CORMANY INSURANCE SVCS | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 9.72% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | VISION SERVICE PLAN | $4K | — | $4K | 10.01% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $59 | — | $59 | 0.16% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $631 | $8K | 29.61% |
| D2ENROLL LLC3 Filed as: D2ENROLL | 630 AQUAMARINE DR LAKE HAVASU CITY, AZ 86406 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 24.34% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $390 | $5K | 29.64% |
| D2ENROLL LLC3 Filed as: D2ENROLL | 630 AQUAMARINE DR LAKE HAVASU CITY, AZ 86406 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 21.70% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $356 | $4K | 29.20% |
| D2ENROLL LLC3 Filed as: D2ENROLL | 630 AQUAMARINE DR LAKE HAVASU CITY, AZ 86406 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 21.24% |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 512 | $2.9M |
| Dental | AETNA LIFE INSURANCE CO. | 512 | $318K |
| Vision | VISION SERVICE PLAN | 190 | $36K |
| Life insurance | STANDARD INSURANCE COMPANY | 225 | $75K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 221 | $1.4M |
| Other(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 225 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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.