| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| E.B.A. & M. CORPORATION | 30505 CADILLAC AVE. SUITE 201 COSTA MESA, CA 92626 | E.B.A. & M CORPORATION | — | $237K | $237K | 3.16% |
| ANTHEM INSURANCE COMPANIES, INC. Filed as: ANTHEM BLUE CROSS LIFE & HEALTH | 3350 PEACHTREE ROAD ATLANTA, GA 30326 | E.B.A. & M CORPORATION | — | $237K | $237K | 3.15% |
| DEBBIE SMITH-SCHINNERER Filed as: DEBBIE SCHINNERER | 2055 TORRANCE BLVD. TORRANCE, CA 90501 | E.B.A. & M CORPORATION | $188K | — | $188K | 2.50% |
| CONSIDINE & ASSOCIATES | 25401 CADOT ROAD SUITE 200 LAGUNA HILLS, CA 92653 | E.B.A. & M CORPORATION | — | $840 | $840 | 0.01% |
| THREE RIVERS PROVIDER NETWORK | 910 HALE PLACE SUITE 101 CHULA VISTA, CA 91914 | E.B.A. & M CORPORATION | — | $133 | $133 | 0.00% |
| E.B.A. & M. CORPORATION | 3505 CADILLAC AVE. SUITE 201 COSTA MESA, CA 92626 | PAN-AMERICAN LIFE INSURANCE | $8K | — | $8K | 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 | 1,065 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,066 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | E.B.A. & M CORPORATION | 1,066 | $7.5M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,013 | $1.0M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,013 | $1.0M |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,013 | $1.0M |
| Prescription drug | E.B.A. & M CORPORATION | 1,066 | $7.5M |
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN LIFE INSURANCE | 1,068 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,068 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.