| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPECTRUM RISK MANAGEMENT & INS SVCS | 74 DISCOVERY IRVINE, CA 92618 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | $553 | $56K | $57K | 5.03% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPECTRUM RISK MANAGEMENT & INS SVCS | 74 DISCOVERY IRVINE, CA 92618 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 10.29% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET STE 200 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $668 | — | $668 | 3.60% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $287 | $54 | $341 | 1.84% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPECTRUM RISK MANAGEMENT & INS SVCS | 74 DISCOVERY IRVINE, CA 92618 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $1K | — | $1K | 10.40% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET STE 200 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $300 | — | $300 | 3.53% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $129 | $26 | $155 | 1.83% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET STE 200 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $258 | — | $258 | 3.50% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $111 | $22 | $133 | 1.80% |
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 | 275 | 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) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | 123 | $1.2M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $114K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $101K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | 123 | $1.1M |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.