| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRED MAXWELL - ACIUS GROUP3 Filed as: FRED THOMAS MAXWELL II | 2591 DALLAS PKWY STE 203 FRISCO, TX 75034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $79K | $37K | $116K | 3.12% |
| FRED MAXWELL - ACIUS GROUP3 Filed as: FRED THOMAS MAXWELL II | 2951 DALLAS PKWY STE 203 FRISCO, TX 75034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $77K | $77K | $153K | 5.09% |
| FRED MAXWELL - ACIUS GROUP3 Filed as: FRED THOMAS MAXWELL III | 2591 DALLAS PKWY, STE 203 FRISCO, TX 75034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $30K | $30K | 1.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | ATTN ACCOUNTING DEPARTMENT 2355 CRENSHAW BLVD STE 200 TORRANCE, CA 905013329 | VISION SERVICE PLAN | $43K | — | $43K | 3.60% |
| FRED MAXWELL - ACIUS GROUP3 Filed as: FRED THOMAS MAXWELL II | 2591 DALLAS PKWY STE 203 FRISCO, TX 75034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $16K | $16K | 2.07% |
| FRED MAXWELL - ACIUS GROUP3 Filed as: FRED THOMAS MAXWELL II | 2591 DALLAS PKWY STE 203 FRISCO, TX 75034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $12K | $30K | 8.58% |
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 | 21,793 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 190 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,983 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTHCARE OF CALIFORNIA | 35,670 | $60.8M |
| Dental | DELTA DENTAL OF CALIFORNIA | 3,239 | $289K |
| Vision | VISION SERVICE PLAN | 15,845 | $1.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $3.0M |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $3.3M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $3.7M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 35,670 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.