| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADSH INVESTMENTS3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | AETNA LIFE INSURANCE COMPANY | $69K | $15K | $84K | 4.28% |
| ADSH INVESTMENTS3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | AETNA HEALTH, INC. | $27K | — | $27K | 3.27% |
| ADSH INVESTMENTS3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $2K | $11K | 20.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE. NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $861 | $861 | 1.62% |
| ADSH INVESTMENTS3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $6K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE. NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $768 | $768 | 1.83% |
| ADSH INVESTMENTS3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE. NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $787 | $787 | 2.32% |
| ADSH INVESTMENTS3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | GUARDIAN | $4K | $2K | $6K | 38.62% |
| ADSH INVESTMENTS3 | 23716 BIRTHER DRIVE LAKE FOREST, CA 92630 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $602 | — | $602 | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE. NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $135 | $135 | 2.24% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 510 | $2.8M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 510 | $2.0M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 510 | $2.0M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 148 | $34K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 94 | $42K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 81 | $53K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 510 | $2.8M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 205 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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."
No prospect flags tripped on this filing.