| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVENUE TUSTIN, CA 92780 | AETNA HEALTH, INC. | $136K | — | $136K | 5.91% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | KAISER FOUNDATION HEALTH PLAN, INC. | $76K | — | $76K | 5.01% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVENUE TUSTIN, CA 92780 | AETNA LIFE INSURANCE CO. | $35K | — | $35K | 8.34% |
| FRENCH CORMANY INSURANCE SERVICES3 Filed as: FRENCH & CORMANY INSURANCE SVC | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.45% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 5.25% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | VISION SERVICE PLAN | $4K | — | $4K | 10.03% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $214 | — | $214 | 0.50% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $2K | — | $2K | 7.54% |
| FRENCH CORMANY INSURANCE SERVICES3 Filed as: FRENCH & CORMANY INSURANCE SVC | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | UNUM INSURANCE COMPANY | $1K | — | $1K | 5.01% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $2K | — | $2K | 8.57% |
| FRENCH CORMANY INSURANCE SERVICES3 Filed as: FRENCH & CORMANY INSURANCE SVC | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | UNUM INSURANCE COMPANY | $1K | — | $1K | 5.71% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $2K | — | $2K | 9.20% |
| FRENCH CORMANY INSURANCE SERVICES3 Filed as: FRENCH & CORMANY INSURANCE SVC | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | UNUM INSURANCE COMPANY | $1K | — | $1K | 6.13% |
| 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 | 10.92% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $592 | $592 | 5.46% |
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 | 310 | 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) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 650 | $4.2M |
| Dental | AETNA LIFE INSURANCE CO. | 650 | $421K |
| Vision | VISION SERVICE PLAN | 271 | $43K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 310 | $89K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 184 | $1.5M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 310 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 650 | — |
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.