| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: INFINITY ASSURANCE GROUP | 12 MAUCHLY, BLDG. I IRVINE, CA 92618 | BLUE CROSS OF CALIFORNIA | $49K | — | $49K | 5.02% |
| CRC SWETT3 | 7230 MCGINNIS FERRY ROAD STREET SUWANEE, GA 30024 | COMBINED INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 24.44% |
| IAG INSURANCE SERVICES3 | 12 MAUCHLY, BLDG. I IRVINE, CA 92618 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 4.78% |
| VARIOUS - SEE ATTACHED3 | C/O TRANSAMERICA LIFE INS. CO. 1370 N. BREA BLVD, STE. 100 FULLERTON, CA 92835 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 11.26% |
| IAG INSURANCE SERVICES3 | 12 MAUCHLY, BLDG. I IRVINE, CA 92618 | HUMANADENTAL INSURANCE COMPANY | $539 | — | $539 | 4.88% |
| ASSURANCE AGENCY LTD3 Filed as: INFINITY ASSURANCE GROUP | 12 MAUCHLY, BLDG. I IRVINE, CA 92618 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $445 | — | $445 | 5.02% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 150 | $984K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 83 | $51K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 142 | $26K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 150 | $984K |
| Other(3 contracts, 3 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 179 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.