| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCESS BENEFITS, INC.3 | P.O. BOX 7128 MISSION HILLS, CA 913467128 | AETNA HEALTH, INC. | $41K | — | $41K | 3.24% |
| PENBEN FINANCIAL SERVICES INC. DBA3 Filed as: PENBEN FINANCIAL SERVICES INC | DBA BXA INSURACNE SERVICES 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | AETNA HEALTH, INC. | $26K | — | $26K | 2.00% |
| ACCESS BENEFITS, INC.3 | P.O. BOX 7128 MISSION HILLS, CA 913467128 | AETNA INC. | $5K | — | $5K | 4.19% |
| PENBEN FINANCIAL SERVICES INC. DBA3 Filed as: PENBEN FINANCIAL SVCS, INC DBA | BXA INS SVCS 23716 BIRTCHER DR. LAKE FOREST, CA 92630 | AETNA INC. | $4K | — | $4K | 2.81% |
| ACCESS BENEFITS, INC.3 | P.O. BOX 7128 MISSION HILLS, CA 913467128 | GUARDIAN LIFE INSURANCE CO. | $3K | — | $3K | 2.70% |
| PENBEN FINANCIAL SERVICES INC. DBA3 Filed as: PENBEN FINANCIAL SVCS, INC | DBA BXA INSURANCE SVCS INC 23716 BIRTCHER DR LAKE FOREST, CA 92630 | GUARDIAN LIFE INSURANCE CO. | $668 | — | $668 | 0.60% |
| ACCESS BENEFITS, INC.3 | P.O. BOX 7128 MISSION HILLS, CA 913467128 | VISION SERVICE PLAN | $886 | — | $886 | 3.84% |
| PENBEN FINANCIAL SERVICES INC. DBA3 Filed as: PENBEN FINANCIAL SVCS, INC | DBA BXA INSURANCE SVCS, INC 23716 BIRTCHER DR LAKE FOREST, CA 926301771 | VISION SERVICE PLAN | $313 | — | $313 | 1.36% |
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 | 249 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA INC. | 249 | $125K |
| Dental | GUARDIAN LIFE INSURANCE CO. | 188 | $111K |
| Vision | VISION SERVICE PLAN | 176 | $23K |
| Life insurance | AETNA INC. | 249 | $125K |
| Long-term disability | AETNA INC. | 249 | $125K |
| Other | AETNA INC. | 249 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.