| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | PO BOX 5406 SAN CLEMENTE, CA 92674 | UNITED HEALTHCARE INSURANCE COMPANY | $116K | — | $116K | 6.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVS LLC | 2677 N MAIN STREET SUITE 800 SANTA ANA, CA 92705 | UNITED HEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 1.00% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | PO BOX 5406 SAN CLEMENTE, CA 92674 | KAISER PERMANENTE | $13K | — | $13K | 4.95% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N MAIN STREET SUITE 800 SANTA ANA, CA 92705 | KAISER PERMANENTE | $4K | — | $4K | 1.35% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | PO BOX 5406 SAN CLEMENTE, CA 92674 | STANDARD INSURANCE COMPANY | $18K | $3K | $20K | 13.89% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | PO BOX 5406 SAN CLEMENTE, CA 92674 | KAISER PERMANENTE | $3K | — | $3K | 3.52% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | PO BOX 5406 SAN CLEMENTE, CA 92674 | STANDARD INSURANCE COMPANY | $11K | $2K | $13K | 21.21% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | PO BOX 5406 SAN CLEMENTE, CA 92674 | STANDARD INSURANCE COMPANY | $5K | $1K | $6K | 19.68% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | PO BOX 5406 SAN CLEMENTE, CA 92673 | STANDARD INSURANCE COMPANY | $7K | $877 | $7K | 30.87% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 | PO BOX 5406 SAN CLEMENTE, CA 92674 | STANDARD INSURANCE COMPANY | $4K | $413 | $4K | 18.20% |
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 | 275 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 347 | $2.3M |
| Dental | STANDARD INSURANCE COMPANY | 244 | $147K |
| Vision | STANDARD INSURANCE COMPANY | 232 | $23K |
| Life insurance | STANDARD INSURANCE COMPANY | 279 | $61K |
| Long-term disability | STANDARD INSURANCE COMPANY | 280 | $32K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 347 | $1.9M |
| Other | STANDARD INSURANCE COMPANY | 279 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.