| 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 | — | $230K | $230K | 3.68% |
| E.B.A. & M. CORPORATION Filed as: E. B. A & M CORPORATION | 18002 COWAN IRVINE, CA 92614 | E.B.A. & M CORPORATION | — | $229K | $229K | 3.67% |
| D & S INSURANCE | 25550 HAWTHORNE BLVD. TORRANCE, CA 90505 | E.B.A. & M CORPORATION | $188K | — | $188K | 3.01% |
| CONSIDINE & ASSOCIATES | 25401 CADOT ROAD SUITE 200 LAGUNA HILLS, CA 92653 | E.B.A. & M CORPORATION | — | $630 | $630 | 0.01% |
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 | 856 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 882 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | E.B.A. & M CORPORATION | 882 | $6.2M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 882 | $1.0M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 882 | $1.0M |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 882 | $1.0M |
| Prescription drug | E.B.A. & M CORPORATION | 882 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 882 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.