| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARTUNIAN INSURANCE SERVICE3 | 1422 EDINGER AVENUE, SUITE 200 TUSTIN, CA 92780 | AETNA HEALTH, INC. | $63K | $16K | $79K | 4.93% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | AETNA HEALTH, INC. | $24K | — | $24K | 1.48% |
| ARTUNIAN INSURANCE SERVICE3 | 53 SHADY LANE IRVINE, CA 92603 | AMERITAS LIFE INSURANCE CORP. | $6K | — | $6K | 8.00% |
| ARTUNIAN INSURANCE SERVICE3 | 53 SHADY LANE IRVINE, CA 92603 | PRINCIPAL LIFE INSURANCE COMPANY | $727 | — | $727 | 12.05% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 9909 MIRA MESA BLVD. SAN DIEGO, CA 92131 | PRINCIPAL LIFE INSURANCE COMPANY | — | $299 | $299 | 4.96% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 190 | $1.6M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 143 | $81K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 143 | $81K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 124 | $6K |
| Prescription drug | AETNA HEALTH, INC. | 190 | $1.6M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 124 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.