| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NIXON BENEFITS3 | 620 NEWPORT CENTER DR FL 11 NEWPORT BEACH, CA 92660 | CALIFORNIA PHYSICIANS' SERVICE | — | $156K | $156K | 4.17% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, 11TH FL. NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 10.00% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, 11TH FL. NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 10.00% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, 11TH FL. NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE CO. | $13K | — | $13K | 25.64% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, 11TH FL. NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, 11TH FL. NEWPORT BEACH, CA 92660 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 10.29% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DR FL 11 NEWPORT BEACH, CA 92660 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DR FL 11 NEWPORT BEACH, CA 92660 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DR FL 11 NEWPORT BEACH, CA 92660 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, 11TH FL. NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
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 | 557 | 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) | 561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 731 | $3.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 223 | $29K |
| Vision | AETNA LIFE INSURANCE CO. | 695 | $49K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 551 | $92K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 197 | $39K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 556 | $71K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 731 | $3.7M |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 551 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 731 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.