| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, 11TH FL. NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 9.24% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, 11TH FL. NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 9.20% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, 11TH FL. NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 9.24% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, 11TH FL. NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 9.98% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, 11TH FL. NEWPORT BEACH, CA 92660 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 9.28% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DR FL 11 NEWPORT BEACH, CA 92660 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 14.93% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DR FL 11 NEWPORT BEACH, CA 92660 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 14.88% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DR FL 11 NEWPORT BEACH, CA 92660 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 15.12% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, 11TH FL. NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.22% |
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 | 739 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 313 | $38K |
| Vision | AETNA LIFE INSURANCE CO. | 839 | $55K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,072 | $144K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 228 | $59K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 699 | $105K |
| Other(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,072 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,072 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.