| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | BLUE CROSS OF CALIFORNIA | $27K | — | $27K | 4.23% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | HEALTH PLAN OF NEVADA | $10K | — | $10K | 3.99% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | GUARDIAN | $3K | $3K | $6K | 10.77% |
| PACIFIC ADVISORS LLC3 | 333 INDIAN HILL BLVD. CLAREMONT, CA 91711 | GUARDIAN | $57 | — | $57 | 0.10% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | MONY LIFE INSURANCE COMPANY OF AMERICA | $32 | — | $32 | 10.53% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 85 | $877K |
| Dental | GUARDIAN | 93 | $56K |
| Vision | BLUE CROSS OF CALIFORNIA | 85 | $636K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 16 | $304 |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 85 | $877K |
| Other | MONY LIFE INSURANCE COMPANY OF AMERICA | 16 | $304 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 93 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.