| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVOCATE, INC.3 Filed as: ADVOCATE NAVA BENEFITS | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | BLUE CROSS OF CALIFORNIA | $129K | $0 | $129K | 5.28% |
| NAVA BENEFITS3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | ANTHEM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 0.57% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | METROPOLITAN GENERAL INSURANCE COMPANY | $446 | $38 | $484 | 8.59% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | METLIFE LEGAL PLANS | $97 | $0 | $97 | 14.97% |
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 | 226 | 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) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 375 | $2.4M |
| Dental | BLUE CROSS OF CALIFORNIA | 375 | $2.4M |
| Vision | BLUE CROSS OF CALIFORNIA | 375 | $2.4M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 0 | $1.1M |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 0 | $1.1M |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 0 | $1.1M |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 375 | $2.4M |
| Other(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 375 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.