| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTENNIAL GROUP BENEFITS3 Filed as: CENTENNIAL GROUP BENEFITS & INS SVC | P.O. BOX 26457 SANTA ANA, CA 92799 | KAISER FOUNDATION HEALTH PLAN INC. | $55K | — | $55K | 4.64% |
| CENTENNIAL GROUP BENEFITS3 Filed as: CENTENNIAL GROUP BENEFITS & INS SVC | 1500 QUAIL STREET, SUITE 100 NEWPORT BEACH, CA 92660 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 7.76% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. DBA ARMS | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.32% |
| CENTENNIAL GROUP BENEFITS3 | 1500 QUAIL STREET, SUITE 100 NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.73% |
| CENTENNIAL GROUP BENEFITS INSURANCE3 Filed as: CENTENNIAL BENEFITS & INS SERVICES | P.O. BOX 26457 SANTA ANA, CA 92799 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $461 | — | $461 | 3.75% |
| CENTENNIAL GROUP BENEFITS INSURANCE3 Filed as: CENTENNIAL BENEFITS & INS SERVICES | P.O. BOX 3387 SEAL BEACH, CA 90740 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.72% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $20 | $20 | 0.16% |
| CENTENNIAL GROUP BENEFITS INSURANCE3 Filed as: CENTENNIAL BENEFITS & INS SERVICES | P.O. BOX 26457 SANTA ANA, CA 92799 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.97% |
| CENTENNIAL GROUP BENEFITS3 Filed as: CENTENNIAL GROUP BENEFITS & INS SVC | P.O. BOX 26457 SANTA ANA, CA 92799 | GOLDEN WEST HEALTH PLAN, INC. | $927 | — | $927 | 9.90% |
| PARKER E. LYONS3 | 2021 BUSINESS CENTER DRIVE, STE 205 IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 16.49% |
| CENTENNIAL GROUP BENEFITS3 | 1500 QUAIL STREET, SUITE 100 NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $468 | — | $468 | 8.78% |
| CHRISTA G AUFDEMBERG INC2 | 13102 BRITTANY WOODS DR. TUSTIN, CA 92780 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $317 | — | $317 | 25.16% |
| CENTENNIAL GROUP BENEFITS4 | 1500 QUAIL STREET, SUITE 100 NEWPORT BEACH, CA 92660 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $31 | — | $31 | 2.46% |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 178 | $1.2M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 123 | $96K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 123 | $86K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $13K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 18 | $12K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 214 | $27K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 178 | $1.2M |
| Other(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 214 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.