| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | AETNA HEALTH, INC. | $95K | — | $95K | 4.08% |
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | AETNA LIFE INSURANCE COMPANY | $96K | — | $96K | 4.39% |
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | UNITED CONCORDIA INSURANCE COMPANY | $33K | — | $33K | 9.98% |
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $4K | $16K | 20.03% |
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 15.10% |
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $3K | $9K | 14.91% |
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 7.60% |
| AMWINS3 Filed as: LISI, INC. | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $2K | $2K | 4.45% |
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $3K | — | $3K | 10.09% |
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $375 | $2K | 18.57% |
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 | 417 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 491 | $4.5M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 210 | $362K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 343 | $44K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 417 | $149K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 412 | $61K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 491 | $4.5M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 417 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.