| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFIT CENTER, INC.3 | 16145 WHITTIER BLVD WHITTIER, CA 90603 | BLUE SHIELD OF CALIFORNIA | $24K | — | $24K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | 701 S PARKER ST 8TH FLOOR ORANGE, CA 92868 | BLUE SHIELD OF CALIFORNIA | — | $9K | $9K | 1.80% |
| ADVANCED BENEFIT CENTER, INC.3 | 16145 WHITTIER BLVD WHITTIER, CA 90603 | KAISER FOUNDATION HEALTH PLAN INC | $14K | — | $14K | 4.68% |
| ADVANCED BENEFIT CENTER, INC.3 | 16145 WHITTIER BLVD WHITTIER, CA 90603 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | 701 S PARKER ST 8TH FLOOR ORANGE, CA 92868 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 6.15% |
| BRIAN YERVANT AKIAN3 | 503 SPRINGBROOK NORTH IRVINE, CA 92614 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $122 | $1K | — |
| ADVANCED BENEFIT CENTER, INC.3 | 16145 WHITTIER BLVD WHITTIER, CA 90603 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $846 | — | $846 | — |
| MICHAEL F FAHEY III3 | 103 PALM DRIVE SAN CLEMENTE, CA 92672 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $241 | $141 | $382 | — |
| ERIC TERRAZAS3 | 17321 MURPHY AVENUE APT 122 IRVINE, CA 92614 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | — | $211 | — |
| DAVID O CHRISTENSEN3 | 180 MCKNIGHT DR LAGUNA BEACH, CA 92651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | — |
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 | 166 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 74 | $782K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 166 | $89K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 166 | $89K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 23 | $0 |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 166 | $89K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 74 | $473K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.