| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JENNIFER MCDONALD Filed as: JENNIFER MEI MATSUMOTO | 15615 ALTON PKWY SUITE 450 IRVINE, CA 92618 | AETNA HEALTH, INC. | $28K | — | $28K | 4.58% |
| AMWINS Filed as: AMWINS CONNECT INSURANCE SERVICES | 1600 WEST HILLSDALE BLVD SUITE #201 SAN MATEO, CA 94402 | AETNA HEALTH, INC. | $5K | — | $5K | 0.84% |
| AMWINS Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N MAIN STREET SANTA ANA, CA 92705 | AETNA HEALTH, INC. | $483 | — | $483 | 0.08% |
| JENNIFER MCDONALD Filed as: JENNIFER MEI MATSUMOTO | 15615 ALTON PKWY SUITE 450 IRVINE, CA 92618 | AETNA LIFE INSURANCE CO. | $689 | — | $689 | 4.58% |
| AMWINS Filed as: AMWINS CONNECT INSURANCE SERVICES | 1600 WEST HILLSDALE BLVD SUITE #201 SAN MATEO, CA 94402 | AETNA LIFE INSURANCE CO. | $125 | — | $125 | 0.83% |
| AMWINS Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N MAIN STREET SANTA ANA, CA 92705 | AETNA LIFE INSURANCE CO. | $13 | — | $13 | 0.09% |
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 | 64 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 64 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 1 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 64 | — |
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.