| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVENUE TUSTIN, CA 92780 | AETNA HEALTH, INC. | $114K | — | $114K | 5.85% |
| MARK JAMES CORMANY3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | KAISER FOUNDATION HEALTH PLAN, INC. | $47K | — | $47K | 2.95% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | KAISER FOUNDATION HEALTH PLAN, INC. | $28K | — | $28K | 1.76% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVENUE TUSTIN, CA 92780 | AETNA LIFE INSURANCE CO. | $33K | — | $33K | 7.95% |
| FRENCH CORMANY INSURANCE SERVICES3 Filed as: FRENCH & CORMANY INSURANCE SVC | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 9.00% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | VISION SERVICE PLAN | $4K | — | $4K | 9.98% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $200 | — | $200 | 0.50% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $6K | — | $6K | 20.97% |
| FRENCH CORMANY INSURANCE SERVICES3 Filed as: FRENCH & CORMANY INSURANCE SVC | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | UNUM INSURANCE COMPANY | $4K | — | $4K | 13.98% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $6K | — | $6K | 24.01% |
| FRENCH CORMANY INSURANCE SERVICES3 Filed as: FRENCH & CORMANY INSURANCE SVC | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | UNUM INSURANCE COMPANY | $4K | — | $4K | 15.99% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $2K | — | $2K | 8.23% |
| FRENCH CORMANY INSURANCE SERVICES3 Filed as: FRENCH & CORMANY INSURANCE SVC | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | UNUM INSURANCE COMPANY | $1K | — | $1K | 5.48% |
| FRENCH CORMANY INSURANCE SERVICES3 Filed as: FRENCH & CORMANY INSURANCE SVC | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $558 | $442 | $1K | 8.97% |
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 625 | $4.0M |
| Dental | AETNA LIFE INSURANCE CO. | 625 | $417K |
| Vision | VISION SERVICE PLAN | 259 | $40K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 295 | $85K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 190 | $1.6M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 295 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 625 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.