| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COLLABORATIVE INSURANCE SOLUTIONS3 | 601 E. DAILY DRIVE, SUITE 122 CAMARILLO, CA 93010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| COLLABORATIVE INSURANCE SOLUTIONS3 | 601 E. DAILY DRIVE, SUITE 122 CAMARILLO, CA 93010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $532 | $2K | 14.00% |
| COLLABORATIVE INSURANCE SOLUTIONS3 | 601 E. DAILY DRIVE, SUITE 122 CAMARILLO, CA 93010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $511 | $2K | 14.00% |
| CALLABORATIVE INSURANCE SOLUTIONS3 | 601 E. DAILY DRIVE, SUITE 122 CAMARILLO, CA 93010 | CALIFORNIA DENTAL NETWORK, INC. | $670 | — | $670 | 10.00% |
| COLLABORATIVE INSURANCE SOLUTIONS3 | 601 E. DAILY DRIVE, SUITE 122 CAMARILLO, CA 93010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $445 | — | $445 | 15.00% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $149K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $142K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 180 | $13K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 180 | $13K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 180 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.