| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DKB FINANCIAL SERVICES, INC.3 | 1232 PLEIADES DR VISTA, CA 92084 | AETNA HEALTH OF CALIFORNIA INC. | $55K | — | $55K | 3.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | 701 S PARKER STREET, 8TH FLOOR ORANGE, CA 92868 | AETNA HEALTH OF CALIFORNIA INC. | $20K | — | $20K | 1.37% |
| DKB FINANCIAL SERVICES, INC.3 | 13304 PHILADELPHIA ST WHITTIER, CA 90601 | AETNA HEALTH OF CALIFORNIA INC. | $13K | — | $13K | 0.87% |
| DKB FINANCIAL SERVICES, INC.3 | 1232 PLEIADES DR VISTA, CA 92084 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 3.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | 701 S PARKER STREET, 8TH FLOOR ORANGE, CA 92868 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 1.35% |
| DKB FINANCIAL SERVICES, INC.3 | 13304 PHILADELPHIA ST WHITTIER, CA 90601 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 0.81% |
| DKB FINANCIAL SERVICES, INC.3 | 13304 PHILADELPHIA ST WHITTIER, CA 90601 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 10.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | 721 S PARKER STREET, SUITE 300 ORANGE, CA 92868 | PRINCIPAL LIFE INSURANCE COMPANY | — | $7K | $7K | 5.76% |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 257 | $1.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $125K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $125K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $125K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 257 | $1.7M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.