| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | PO BOX 5406 SAN CLEMENTE, CA 92674 | UNITED HEALTHCARE INSURANCE COMPANY | $97K | — | $97K | 6.46% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N MAIN STREET SUITE 800 SANTA ANA, CA 92705 | UNITED HEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 1.08% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | PO BOX 5406 SAN CLEMENTE, CA 92674 | PRINCIPAL LIFE INSURANCE COMPANY | $22K | — | $22K | 10.45% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N MAIN STREET SUITE 800 SANTA ANA, CA 92705 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 3.39% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, INC. | 2 ENTERPRISE DR SUITE 204 SHELTON, CT 06484 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.63% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | PO BOX 5406 SAN CLEMENTE, CA 92674 | KAISER PERMANENTE | $9K | — | $9K | 5.03% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 1600 W HILLSDALE BLVD SUITE 201 SAN MATEO, CA 94402 | KAISER PERMANENTE | $2K | — | $2K | 1.39% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | PO BOX 5406 SAN CLEMENTE, CA 92674 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 17.05% |
| DOUGLAS T SMITH3 | 931 CALLE NEGOCIO SUITE J SAN CLEMENTE, CA 92673 | KAISER PERMANENTE | $1K | — | $1K | 2.75% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | PO BOX 5406 SAN CLEMENTE, CA 92674 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 17.30% |
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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 333 | $1.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 264 | $214K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 264 | $214K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 264 | $255K |
| Long-term disability | STANDARD INSURANCE COMPANY | 267 | $48K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 333 | $1.5M |
| Other | STANDARD INSURANCE COMPANY | 112 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.