| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| F.B.P. INSURANCE SERVICES, LLC3 | 130 THEORY STREET SUITE 200 IRVINE, CA 92617 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $64K | — | $64K | 4.00% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES, INC. | 130 THEORY, STE 200 IRVINE, CA 926173065 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 4.95% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES, INC. | 130 THEORY STREET, SUITE 200 IRVINE, CA 92660 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 10.00% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES INC | 130 THEORY ST, STE 200 IRVINE, CA 926123065 | HARTFORD LIFE AND ACCIDENT | $11K | $4K | $14K | 16.67% |
| FBP INSURANCE SERVICES3 | 130 THEORY ST, STE 200 IRVINE, CA 926173065 | VISION SERVICE PLAN | $1K | — | $1K | 4.45% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 109 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $205K |
| Vision | VISION SERVICE PLAN | 146 | $33K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 203 | $87K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 203 | $87K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 203 | $87K |
| Other | HARTFORD LIFE AND ACCIDENT | 203 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.