| 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 | $119K | $123K | $242K | 34.50% |
| ADVANCED BENEFIT CONSULTING3 | P.O. BOX 6677 FULLERTON, CA 92834 | AMERITAS LIFE INSURANCE CORP. | $7K | $0 | $7K | 3.52% |
| ADVANCED BENEFIT CONSULTING3 | P.O. BOX 6677 FULLERTON, CA 92834 | SUN LIFE ASSURANCE COMPANY OF CANADA | $954 | $0 | $954 | 10.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EBA&M CORPORATION EIN 95-2881702 TPA | Contract Administrator Service code 13 | 18952 MACARTHUR BLVD., SUITE 4A IRVINE, CA 92612 | $125K |
| CIGNA CORPORATION EIN 59-1031071 PPO & UR NETWORK | Other insurance fees and expenses Service code 73 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $91K |
| HEALTHIEST YOU EIN 46-1345569 TELEDOC SERVICE | Other insurance fees and expenses Service code 73 | 5350 E. HIGH STREET, SUITE 350 PHOENIX, AZ 85054 | $9K |
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 | 401 | 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) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 401 | $700K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 204 | $199K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 204 | $199K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 168 | $9K |
| Prescription drug | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 401 | $700K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 401 | $700K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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.