| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | UNITED HEALTHCARE INSURANCE COMPANY | $119K | — | $119K | 2.97% |
| SOLANA INSURANCE SERVICES INC.3 | 3101 W. COAST HWY., SUITE 304 NEWPORT BEACH, CA 92663 | UNITED HEALTHCARE INSURANCE COMPANY | $30K | — | $30K | 0.74% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $315 | $6K | 4.18% |
| SOLANA INSURANCE SERVICES INC.3 | 3101 WEST COAST HIGHWAY, SUITE 304 NEWPORT BEACH, CA 92663 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.99% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $3K | $9K | 17.00% |
| SOLANA INSURANCE SERVICES INC.3 | 2700 NEWPORT BLVD., SUITE 184 NEWPORT BEACH, CA 92663 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $5K | 17.00% |
| SOLANA INSURANCE SERVICES INC.3 | 2700 NEWPORT BLVD., SUITE 184 NEWPORT BEACH, CA 92663 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $931 | — | $931 | 3.00% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | SAFEGUARD HEALTH PLANS, INC. | $1K | $60 | $1K | 4.21% |
| SOLANA INSURANCE SERVICES INC.3 | 3101 WEST COAST HIGHWAY, SUITE 304 NEWPORT BEACH, CA 92663 | SAFEGUARD HEALTH PLANS, INC. | $277 | — | $277 | 1.00% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 10.58% |
| SOLANA INSURANCE SERVICES INC.3 | 3700 NEWPORT BLVD., SUITE 309 NEWPORT BEACH, CA 92663 | STANDARD INSURANCE COMPANY | $177 | — | $177 | 0.79% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $986 | $4K | 21.00% |
| SOLANA INSURANCE SERVICES INC.3 | 2700 NEWPORT BLVD., SUITE 184 NEWPORT BEACH, CA 92663 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $789 | — | $789 | 4.00% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $619 | $3K | 21.00% |
| SOLANA INSURANCE SERVICES INC.3 | 2700 NEWPORT BLVD., SUITE 184 NEWPORT BEACH, CA 92663 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $495 | — | $495 | 4.00% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 8.65% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $801 | — | $801 | 8.00% |
| SOLANA INSURANCE SERVICES INC.3 | 3101 WEST COAST HIGHWAY, SUITE 304 NEWPORT BEACH, CA 92663 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $200 | — | $200 | 2.00% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $338 | $1K | 21.00% |
| SOLANA INSURANCE SERVICES INC.3 | 2700 NEWPORT BLVD., SUITE 184 NEWPORT BEACH, CA 92663 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $270 | — | $270 | 3.99% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | STANDARD INSURANCE COMPANY | $222 | — | $222 | 5.93% |
| SOLANA INSURANCE SERVICES INC.3 | 3700 NEWPORT BLVD., SUITE 309 NEWPORT BEACH, CA 92663 | STANDARD INSURANCE COMPANY | $56 | — | $56 | 1.50% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92630 | STANDARD INSURANCE COMPANY | $44 | — | $44 | 2.26% |
| SOLANA INSURANCE SERVICES INC.3 | 3700 NEWPORT BLVD., SUITE 309 NEWPORT BEACH, CA 92663 | STANDARD INSURANCE COMPANY | $11 | — | $11 | 0.56% |
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 | 304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | 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 | 675 | $4.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $167K |
| Vision(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 168 | $22K |
| Life insurance(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 305 | $35K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 306 | $31K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 306 | $52K |
| Other(6 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 305 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 675 | — |
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.