| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL FINCHAMP3 | 632 SOUTH BARRANCA AVENUE COVINA, CA 91723 | KAISER FOUNDATION HEALTH PLAN, INC. | $107K | — | $107K | 4.88% |
| PAUL FINCHAMP3 | 632 SOUTH BARRANCA AVENUE COVINA, CA 91723 | KAISER FOUNDATION HEALTH PLAN, INC | $107K | — | $107K | 4.88% |
| PAUL FINCHAMP3 | 632 BARRANCA AVENUE COVINA, CA 91723 | METROPOLITAN LIFE INSURANCE COMPANY | $66K | $5K | $71K | 10.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMIN | 721 SOUTH PARKER STREET SUITE 200 ORANGE, CA 92868 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $6K | $39K | 5.93% |
| PAUL FINCHAMP3 Filed as: PAUL A FINCHAMP | 632 SOUTH BARRANCA AVENUE COVINA, CA 91723 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $3K | $249 | $3K | 10.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMIN | 721 SOUTH PARKER STREET SUITE 200 ORANGE, CA 92868 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $1K | $1K | $2K | 9.00% |
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 | 588 | 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) | 589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 165 | $4.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,639 | $692K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,639 | $666K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,639 | $666K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,639 | $666K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,639 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.