| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | BLUE CROSS OF CALIFORNIA | $20K | $1K | $21K | 5.23% |
| AMWINS3 Filed as: LISI, INC. | 1660 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | BLUE CROSS OF CALIFORNIA | — | $5K | $5K | 1.23% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES | 4701 STOCKDALE HWY BAKERSFIELD, CA 93309 | BLUE CROSS OF CALIFORNIA | $2K | — | $2K | 0.42% |
| COLONIAL LIFE & ACCIDENT3 | P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29K | $4K | $33K | 41.09% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 11.84% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES | 8500 STOCKDALE HWY KING OF PRUSSIA, PA 19409 | SUN LIFE ASSURANCE COMPANY OF CANADA | $641 | — | $641 | 3.32% |
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 | 303 | 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) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 145 | $405K |
| Dental | BLUE CROSS OF CALIFORNIA | 145 | $405K |
| Vision | BLUE CROSS OF CALIFORNIA | 145 | $405K |
| Life insurance(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 261 | $506K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 207 | $81K |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 145 | $405K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 145 | $405K |
| Other(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 261 | $506K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.