| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTHER DRIVE LAKE FOREST, CA 92630 | BLUE CROSS OF CALIFORNIA | $471K | — | $471K | 2.96% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTHER DRIVE LAKE FOREST, CA 92630 | UNITED CONCORDIA INSURANCE COMPANY | $43K | — | $43K | 3.24% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTHER DRIVE LAKE FOREST, CA 92630 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 8.00% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTHER DRIVE LAKE FOREST, CA 92630 | VISION SERVICE PLAN | $15K | — | $15K | 6.62% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 8.00% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTHER DRIVE LAKE FOREST, CA 92630 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 8.00% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTHER DRIVE LAKE FOREST, CA 92630 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $2K | — | $2K | 4.06% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTHER DRIVE LAKE FOREST, CA 92630 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 8.00% |
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 | 3,197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 2,556 | $15.9M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 2,445 | $1.4M |
| Vision | VISION SERVICE PLAN | 2,685 | $228K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,197 | $245K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,197 | $110K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,197 | $142K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 2,556 | $15.9M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,197 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,197 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.