| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 5530 TRABUCO ROAD IRVINE, CA 92620 | CALIFORNIA PHYSICIANS SERVICE | — | $91K | $91K | 5.26% |
| MILLENNIUM CORPORATE SOLUTIONS3 | 5530 TRABUCO ROAD IRVINE, CA 92620 | UNITED CONCORDIA INSURANCE COMPANY | $10K | — | $10K | 9.97% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 5530 TRABUCO ROAD IRVINE, CA 92620 | VISION SERVICE PLAN | $1K | — | $1K | 4.85% |
| ENROLLEASE3 | 1980 FESTIVAL PLAZA DRIVE LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $331 | — | $331 | 1.23% |
| MILLENNIUM CORPORATE SOLUTIONS3 | 5530 TRABUCO ROAD IRVINE, CA 92620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $854 | $3K | 14.09% |
| MILLENNIUM CORPORATE SOLUTIONS3 | 5530 TRABUCO ROAD IRVINE, CA 92620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $653 | $2K | 14.09% |
| MILLENNIUM CORPORATE SOLUTIONS3 | 5530 TRABUCO ROAD IRVINE, CA 92620 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $1K | — | $1K | 10.02% |
| MILLENNIUM CORPORATE SOLUTIONS3 | 5530 TRABUCO ROAD IRVINE, CA 92620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $980 | $331 | $1K | 13.37% |
| MILLENNIUM CORPORATE SOLUTIONS3 | 5530 TRABUCO ROAD IRVINE, CA 92620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $959 | $323 | $1K | 13.37% |
| MILLENNIUM CORPORATE SOLUTIONS3 | 5530 TRABUCO ROAD IRVINE, CA 92620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $815 | $350 | $1K | 14.30% |
| MILLENNIUM CORPORATE SOLUTIONS3 | 5530 TRABUCO ROAD IRVINE, CA 92620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $711 | $333 | $1K | 14.68% |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 159 | $1.7M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 85 | $110K |
| Vision | VISION SERVICE PLAN | 173 | $27K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $31K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 43 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $16K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 159 | $1.7M |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.