| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | UNITED HEALTHCARE INSURANCE COMPANY | $114K | — | $114K | 3.20% |
| SOLANA INSURANCE SERVICES INC.3 | 3101 W. COAST HWY., SUITE 304 NEWPORT BEACH, CA 92663 | UNITED HEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 0.80% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $492 | $6K | 4.05% |
| SOLANA INSURANCE SERVICES INC.3 | 3101 WEST COAST HIGHWAY, SUITE 304 NEWPORT BEACH, CA 92663 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.92% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | SAFEGUARD HEALTH PLANS, INC. | $951 | $95 | $1K | 4.02% |
| SOLANA INSURANCE SERVICES INC.3 | 3101 WEST COAST HIGHWAY, SUITE 304 NEWPORT BEACH, CA 92663 | SAFEGUARD HEALTH PLANS, INC. | $238 | — | $238 | 0.91% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.00% |
| SOLANA INSURANCE SERVICES INC.3 | 3101 WEST COAST HIGHWAY, SUITE 304 NEWPORT BEACH, CA 92663 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $476 | — | $476 | 2.00% |
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 | 312 | 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) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 671 | $3.6M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 298 | $163K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 157 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 671 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.