| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET 110 NEWPORT BEACH, CA 92660 | UNITEDHEALTHCARE INSURANCE COMAPNY | $33K | $9K | $41K | 7.50% |
| BENEFITS AMERICA INSURANCE SEVICES | 1800 QUAIL STREET 110 NEWPORT BEACH, CA 92660 | UNITED HEALTH CARE INSURANCE COMPANY | $2K | — | $2K | 9.45% |
| SHERRI GUEDEA3 | 1101 CALIFORNIA AVE STE 100 CORONA, CA 92881 | MANHATTAN LIFE | $42 | — | $42 | 2.42% |
| STANLEY KEITH LEVINE INSURANCE3 Filed as: STANLEY LEVINE INSURANCE | 334 CAMINO DE LAS COLINAS REDONDO BEACH, CA 90277 | MANHATTAN LIFE | $42 | — | $42 | 2.42% |
| TRACEY KEISER3 | 3753 HOWARD HUGHES PKWY LAS VEGAS, NV 89169 | MANHATTAN LIFE | $11 | — | $11 | 0.63% |
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 | 249 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMAPNY | 249 | $553K |
| Dental | UNITEDHEALTHCARE INSURANCE COMAPNY | 249 | $553K |
| Vision | UNITEDHEALTHCARE INSURANCE COMAPNY | 249 | $553K |
| Life insurance | UNITED HEALTH CARE INSURANCE COMPANY | 101 | $18K |
| Other(2 contracts, 2 carriers) | UNITED HEALTH CARE INSURANCE COMPANY | 101 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.