| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | AETNA HEALTH, INC. | $146K | — | $146K | 4.55% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | DELTA DENTAL OF CALIFORNIA | $32K | — | $32K | 10.00% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE COMPANY | $12K | $20K | $32K | 11.48% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 14 N. BALDWIN AVENUE SIERRA MADRE, CA 91024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $1K | $10K | 17.18% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 14 N. BALDWIN AVENUE SIERRA MADRE, CA 91024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $761 | $6K | 17.25% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 SIERRA MADRE, CA 91024 | HUMANA, INC. | $3K | — | $3K | 10.17% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | DELTA DENTAL OF CALIFORNIA | $1K | — | $1K | 9.28% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 14 N. BALDWIN AVENUE SIERRA MADRE, CA 91024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $989 | $120 | $1K | 16.83% |
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 | 811 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 815 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 390 | $3.5M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 347 | $328K |
| Vision | HUMANA, INC. | 400 | $31K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 750 | $58K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 811 | $34K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 390 | $3.5M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 750 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 811 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.