| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPECTRUM RISK MANAGEMENT & INS | 74 DISCOVERY IRVINE, CA 92618 | BLUE CROSS OF CALIFORNIA | $47K | — | $47K | 6.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPECTRUM RISK MANAGEMENT & INS SVCS | 74 DISCOVERY IRVINE, CA 92618 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 9.85% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | -$81 | $764 | $683 | 0.67% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET STE 200 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $631 | $214 | $845 | 4.69% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $271 | $92 | $363 | 2.01% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPECTRUM RISK MANAGEMENT & INS SVCS | 74 DISCOVERY IRVINE, CA 92618 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $2K | — | $2K | 10.27% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | -$24 | $161 | $137 | 0.89% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPECTRUM RISK MANAGEMENT & INS | 74 DISCOVERY IRVINE, CA 92618 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $527 | — | $527 | 6.00% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET STE 200 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $300 | $107 | $407 | 4.75% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $129 | $46 | $175 | 2.04% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET STE 200 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $425 | $94 | $519 | 7.03% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $182 | $40 | $222 | 3.01% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 154 | $782K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $117K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 157 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $102K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.