| 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 | 4.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | 701 S PARKER ST 8TH FLOOR ORANGE, CA 92868 | BLUE SHIELD OF CALIFORNIA | — | $8K | $8K | 1.56% |
| ADVANCED BENEFIT CENTER, INC.3 | 16145 WHITTIER BLVD WHITTIER, CA 90603 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 4.66% |
| ADVANCED BENEFIT CENTER, INC.3 | 16145 WHITTIER BLVD WHITTIER, CA 90603 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $3K | $12K | 11.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | 701 S PARKER ST 8TH FLOOR ORANGE, CA 92868 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.52% |
| ADVANCED BENEFIT CENTER, INC.3 | 16145 WHITTIER BLVD WHITTIER, CA 90603 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 6.07% |
| MICHAEL F FAHEY III3 | 103 PALM DRIVE SAN CLEMENTE, CA 92672 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $338 | $151 | $489 | 2.89% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $124 | $218 | 1.29% |
| DAVID O CHRISTENSEN3 | 180 MCKNIGHT DRIVE LAGUNA BEACH, CA 92651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.03% |
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 | 183 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 86 | $806K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $105K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $105K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 24 | $17K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $105K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 86 | $521K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.