| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | P.O. BOX 5406 SAN CLEMENTE, CA 92674 | AETNA LIFE INSURANCE CO. | $39K | — | $39K | 6.02% |
| AMWINS3 Filed as: LISI, LLC | 1600 WEST HILLSDALE BLVD SUITE 201 SAN MATEO, CA 94402 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 0.89% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | P.O. BOX 5406 SAN CLEMENTE, CA 92674 | AETNA HEALTH, INC. | $24K | — | $24K | 5.47% |
| AMWINS3 Filed as: LISI, LLC | 1600 WEST HILLSDALE BLVD SUITE 201 SAN MATEO, CA 94402 | AETNA HEALTH, INC. | $4K | — | $4K | 0.89% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | P.O. BOX 5406 SAN CLEMENTE, CA 92674 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.41% |
| AMWINS3 Filed as: AMWINS CONNECT INS SERVICES | 1600 W HILLSDALE BLVD SUITE 201 SAN MATEO, CA 94402 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $423 | $3K | 3.64% |
| DOUGLAS T SMITH3 | 931 CALLE NEGOCIO SUITE J SAN CLEMENTE, CA 92673 | KAISER FOUNDATION HEALTH PLAN OF HI | $2K | — | $2K | 3.17% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | P.O. BOX 5406 SAN CLEMENTE, CA 92674 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 15.77% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | P.O. BOX 5406 SAN CLEMENTE, CA 92674 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 15.81% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | P.O. BOX 5406 SAN CLEMENTE, CA 92674 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.88% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 104 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 229 | $81K |
| Vision | STANDARD INSURANCE COMPANY | 109 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 126 | $33K |
| Long-term disability | STANDARD INSURANCE COMPANY | 128 | $27K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 104 | $1.1M |
| Other | STANDARD INSURANCE COMPANY | 126 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.