| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TAX & FINANCIAL GROUP BENEFITS3 | 2355 MAIN STREET IRVINE, CA 92614 | BLUE CROSS OF CALIFORNIA | $117K | — | $117K | 4.35% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 2677 N MAIN STREET SANTA ANA, CA 92705 | BLUE CROSS OF CALIFORNIA | — | $16K | $16K | 0.59% |
| TAX & FINANCIAL GROUP BENEFITS3 | 2355 MAIN STREET IRVINE, CA 92614 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $4K | $15K | 18.27% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 2677 N MAIN STREET SANTA ANA, CA 92705 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.59% |
| TAX & FINANCIAL GROUP BENEFITS3 | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | EYEMED VISION CARE | $1K | — | $1K | 7.09% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLUE BELL, PA 19422 | EYEMED VISION CARE | $730 | — | $730 | 5.07% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 119 | $2.7M |
| Dental | BLUE CROSS OF CALIFORNIA | 119 | $2.7M |
| Vision | EYEMED VISION CARE | 100 | $14K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $82K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $82K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 119 | $2.7M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.