| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. Filed as: ANTHEM BLUE CROSS LIFE & HEALTH | 3350 PEACHTREE ROAD ATLANTA, GA 30326 | E.B.A & M CORPORATION | — | $311K | $311K | 5.08% |
| E.B.A. & M. CORPORATION | 30505 CADILLAC AVE. SUITE 201 COSTA MESA, CA 92626 | E.B.A & M CORPORATION | — | $236K | $236K | 3.86% |
| DEBBIE SMITH-SCHINNERER Filed as: DEBBIE SCHINNERER | 2055 TORRANCE BLVD. TORRANCE, CA 90501 | E.B.A & M CORPORATION | $185K | — | $185K | 3.02% |
| CONSIDINE & ASSOCIATES | 25401 CADOT ROAD SUITE 200 LAGUNA HILLS, CA 92653 | E.B.A & M CORPORATION | — | $420 | $420 | 0.01% |
| E.B.A. & M. CORPORATION | 3505 CADILLAC AVE. SUITE 201 COSTA MESA, CA 92626 | PAN-AMERICAN LIFE INSURANCE | $11K | — | $11K | 4.00% |
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 | 1,067 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,076 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | E.B.A & M CORPORATION | 1,076 | $6.1M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 994 | $919K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 994 | $919K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 994 | $919K |
| Prescription drug | E.B.A & M CORPORATION | 1,076 | $6.1M |
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN LIFE INSURANCE | 1,063 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,076 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.