| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TAX & FINANCIAL GROUP BENEFITS3 | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | BLUE CROSS OF CALIFORNIA | $72K | — | $72K | 4.31% |
| AMWINS3 Filed as: LISI INC. | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | BLUE CROSS OF CALIFORNIA | — | $10K | $10K | 0.61% |
| TAX & FINANCIAL GROUP BENEFITS3 | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $4K | $12K | 14.57% |
| AMWINS3 Filed as: LISI, INC. | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94403 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $1K | $6K | 6.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S. CAPITAL OF TEXAS HWY W. LAKE HILLS, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | — | $810 | $810 | 1.00% |
| TAX & FINANCIAL GROUP BENEFITS3 | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | HUMANA, INC. | $3K | — | $3K | 4.72% |
| TAX & FINANCIAL GROUP BENEFITS3 | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | GERBER | $873 | — | $873 | 7.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 7535 IRVINE CENTER DRIVE IRVINE, CA 92618 | GERBER | $624 | — | $624 | 5.00% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 101 | $1.7M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $141K |
| Vision | GERBER | 88 | $12K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $81K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 101 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.