| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYERS RESOURCE GROUP FINANCIAL3 | INSURANCE SERVICES, INC. 3300 SEPULVEDA BLVD TORRANCE, CA 90505 | INTERMEDIARY INSURANCE SERVICES, INC. | $50K | — | $50K | 10.00% |
| EMPLOYERS RESOURCE3 Filed as: EMPLOYERS RESOURCE GROUP | 3300 SEPULVEDA BLVD TORRANCE, CA 90505 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.84% |
| EMPLOYERS RESOURCE GROUP FINANCIAL3 | INSURANCE SERVICES INC 3300 SEPULVEDA BLVD TORRANCE, CA 90505 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 15.00% |
| EMPLOYER RESOURCE GROUP LLC3 Filed as: EMPLOYER RESOURCE GROUP | 3300 SEPULVEDA BLVD TORRANCE, CA 90505 | AIG BENEFIT SOLUTION | $1K | — | $1K | 4.97% |
| EBA AND M CORPORATION Filed as: EBA&M CORPORATION | 3505 CADILLAC AVE STE O-201 COSTA MESA, CA 92626 | AIG BENEFIT SOLUTION | $1K | — | $1K | 4.97% |
| EMPLOYERS RESOURCE GROUP FINANCIAL3 | INSURANCE SERVICES INC 3300 SEPULVEDA BLVD TORRANCE, CA 90505 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 15.00% |
| EMPLOYERS RESOURCE3 Filed as: EMPLOYERS RESOURCE GROUP | 3300 SEPULVEDA BLVD TORRANCE, CA 90505 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $97 | — | $97 | 9.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EBA&M CORPORATION EIN 95-2881702 TPA | Insurance services Service code 23 | — | $56K |
| CIGNA EIN 59-1031071 INSURANCE | Insurance services Service code 23 | — | $28K |
| TC3 HEALTH INC EIN 13-4346850 INSURANCE | Insurance services Service code 23 | — | $11K |
| CONSIDINE & ASSOCIATES EIN 35-7406633 INSURANCE | Insurance services Service code 23 | — | $2K |
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 | 147 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $136K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 147 | $53K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 147 | $35K |
| Stop-loss / reinsurancereinsurance | INTERMEDIARY INSURANCE SERVICES, INC. | 403 | $502K |
| Other(2 contracts, 2 carriers) | AIG BENEFIT SOLUTION | 144 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.