| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STANLEY KEITH LEVINE INSURANCE3 Filed as: STANLEY LEVINE | 715 N. IRENA AVE., SUITE B REDONDO BEACH, CA 90277 | CALIFORNIACHOICE | $41K | — | $41K | 6.50% |
| STANLEY KEITH LEVINE INSURANCE3 | 715 NORTH IRENA AVE., SUITE B REDONDO BEACH, CA 90277 | HEALTH NET | $7K | $474 | $7K | 6.24% |
| STANLEY KEITH LEVINE INSURANCE3 | 4400 MACARTHUR BLVD, 8TH FLOOR NEWPORT BEACH, CA 92660 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN BENEFIT ADMINISTRATORS | 721 S PARKER STREET, SUITE 300 ORANGE, CA 92868 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $2K | $4K | 5.76% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | PRINCIPAL LIFE INSURANCE COMPANY | -$5 | — | -$5 | -0.01% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - SEE ATTACHMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | — | $2K | 9.62% |
| STANLEY KEITH LEVINE INSURANCE3 | 715 NORTH IRENA AVENUE, SUITE B REDONDO BEACH, CA 90277 | CALIFORNIA DENTAL NETWORK, INC. | $1K | — | $1K | 10.00% |
| KANAWHA - SEE ATTACHMENT3 | 500 WEST MAIN STREET LOUISVILLE, KY 40202 | KANAWHA INSURANCE COMPANY | $508 | — | $508 | 9.93% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIACHOICE | 104 | $751K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $88K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $76K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $81K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 27 | $22K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIACHOICE | 104 | $751K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.