| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST3 | 21300 VICTORY BLVD SUITE 700 WOODLAND HILLS, CA 91367 | AETNA HEALTH OF CALIFORNIA INC (A CALIFORNIA CORPORATION) | $87K | — | $87K | 7.55% |
| PCF INSURANCE SERVICES OF THE WEST3 | 21300 VICTORY BLVD SUITE 700 WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE COMPANY | $36K | — | $36K | 7.58% |
| PCF INSURANCE SERVICES OF THE WEST3 | 2745 W 600TH N STE 500 LINDON, UT 84042 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 10.45% |
| PCF INSURANCE SERVICES OF THE WEST3 | 21300 VICTORY BLVD SUITE 700 WOODLAND HILLS, CA 91367 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $554 | — | $554 | 4.99% |
| PCF INSURANCE SERVICES OF THE WEST3 | 2745 W 600TH N STE 500 LINDON, UT 84042 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $1K | — | $1K | 12.03% |
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 | 269 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 36 | $475K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $73K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 165 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $62K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.