| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: TBG DANCO INSURANCE SERVICES | 11150 SANTA MONICA BLVD., SUITE 800 LOS ANGELES, CA 90025 | AETNA HEALTH OF CALIFORNIA INC. | $113K | -$3K | $110K | 9.46% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: TBG DANCO INSURANCE SERVICES | 11150 SANTA MONICA BLVD., SUITE 800 LOS ANGELES, CA 90025 | AETNA LIFE INSURANCE COMPANY | $51K | $80 | $51K | 10.90% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | AMERITAS LIFE INSURANCE COMPANY | $671 | — | $671 | 4.65% |
| THE EMPLOYERS BENEFIT GROUP, LLC3 Filed as: THE EMPLOYERS BENEFIT GROUP LLC | 11150 SANTA MONICA BLVD., SUITE 800 LOS ANGELES, CA 90025 | AMERITAS LIFE INSURANCE COMPANY | $442 | — | $442 | 3.07% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | AMERITAS LIFE INSURANCE COMPANY | $432 | — | $432 | 3.00% |
| WOOD GUTMANN & BOGART INSURANCE3 Filed as: WOOD GUTMANN & BOGART INS BROKERS | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | AMERITAS LIFE INSURANCE COMPANY | $328 | — | $328 | 2.28% |
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 | 246 | 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) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 279 | $1.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 279 | $466K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 352 | $14K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 279 | $466K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 279 | $1.6M |
| Other | AETNA LIFE INSURANCE COMPANY | 279 | $466K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.