| 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. | $67K | — | $67K | 4.56% |
| CENTENNIAL GROUP BENEFITS3 Filed as: CENTENNIAL GROUP BENEFITS & INS SVC | 1500 QUAIL STREET, SUITE 100 NEWPORT BEACH, CA 92660 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $5K | $19K | 13.65% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | — | $8K | $8K | 6.11% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. DBA ARMS | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.51% |
| CENTENNIAL GROUP BENEFITS INSURANCE3 Filed as: CENTENNIAL BENEFITS & INS SERVICES | P.O. BOX 26457 SANTA ANA, CA 92799 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 6.57% |
| CENTENNIAL GROUP BENEFITS INSURANCE3 Filed as: CENTENNIAL BENEFITS & INS SERVICES | P.O. BOX 3387 SEAL BEACH, CA 90740 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.34% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $50 | $50 | 0.30% |
| CENTENNIAL GROUP BENEFITS3 Filed as: CENTENNIAL GROUP BENEFITS & INS SVC | 1800 QUAIL ST SUITE 110 SANTA ANA, CA 92799 | BLUE CROSS OF CALIFORNIA | $1K | — | $1K | 9.13% |
| ARCHON LLC3 | 1209 ORANGE STREET WILMINGTON, DE 19801 | BLUE CROSS OF CALIFORNIA | — | $610 | $610 | 4.57% |
| CENTENNIAL GROUP BENEFITS INSURANCE3 Filed as: CENTENNIAL BENEFITS & INS SERVICES | P.O. BOX 26457 SANTA ANA, CA 92799 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $389 | — | $389 | 5.39% |
| CHRISTA G AUFDEMBERG INC4 | 13102 BRITTANY WOODS DR. TUSTIN, CA 92780 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $184 | — | $184 | 11.56% |
| CENTENNIAL GROUP BENEFITS4 | 1500 QUAIL STREET, SUITE 100 NEWPORT BEACH, CA 92660 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $40 | — | $40 | 2.51% |
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 | 228 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 208 | $1.5M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 276 | $152K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 276 | $138K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 276 | $138K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 22 | $17K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 276 | $138K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 208 | $1.5M |
| Other(5 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 276 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.