| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFIT CONSULTING3 | P.O. BOX 6677 FULLERTON, CA 92834 | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | $98K | $112K | $210K | 36.57% |
| ADVANCED BENEFIT CONSULTING3 | P.O. BOX 6677 FULLERTON, CA 92834 | AMERITAS LIFE INSURANCE CORP. | $14K | $0 | $14K | 3.61% |
| ADVANCED BENEFIT CONSULTING3 | P.O. BOX 6677 FULLERTON, CA 92834 | SUN LIFE ASSURANCE COMPANY OF CANADA | $856 | $0 | $856 | 10.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EBA&M CORPORATION EIN 95-2881702 TPA | Contract Administrator Service code 13 | 18002 COWAN IRVINE, CA 92614 | $127K |
| HSTECHNOLOGY SOLUTIONS, INC. EIN 27-1818792 RBP COMPANY | Other insurance fees and expenses Service code 73 | 23382 MILL CREEK DR. LAGUNA HILLS, CA 92653 | $54K |
| MULTIPLAN EIN 13-3068979 PPO NETWORK | Other insurance fees and expenses Service code 73 | 115 5TH AVENUE NEW YORK, NY 10003 | $19K |
| HINES & ASSOCIATES EIN 36-3545085 UR FIRM | Other insurance fees and expenses Service code 73 | 115 E. HIGHLAND AVENUE ELGIN, IL 60120 | $15K |
| HEALTHIEST YOU EIN 46-1345569 TELEDOC SERVICE | Other insurance fees and expenses Service code 73 | 5350 E. HIGH STREET #350 PHOENIX, AZ 85054 | $10K |
| HOLMAN GROUP EIN 95-3966486 EAP | Other services Service code 49 | 9451 CORBIN AVENUE, #100 NORTHRIDGE, CA 91324 | $5K |
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 | 329 | 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) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 329 | $574K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 188 | $387K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 188 | $387K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 167 | $9K |
| Prescription drug | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 329 | $574K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 329 | $574K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.