| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENE-FACTS INC. | 4601 WILSHIRE BLVD. SUITE 200 LOS ANGELES, CA 90010 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 5.61% |
| WESTERN GROWERS INSURANCE SERVICES3 Filed as: WESTERN GROWERS INSURANCE SERVCIES | P. O. BOX 2130 NEWPORT BEACH, CA 92658 | METROPOLITAN LIFE INSURANCE COMPANY | $848 | $39 | $887 | 1.24% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENE-FACTS INC. | 4601 WILSHIRE BLVD. SUITE 200 LOS ANGELES, CA 90010 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 6.77% |
| WESTERN GROWERS INSURANCE SERVICES3 Filed as: WESTERN GROWERS INSURANCE SERVCIES | 6501 IRVINE CENTER DRIVE SUITE 100 IRVINE, CA 92618 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 3.23% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENE-FACTS INC. | 4601 WILSHIRE BLVD. SUITE 200 LOS ANGELES, CA 90010 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 6.70% |
| WESTERN GROWERS INSURANCE SERVICES3 Filed as: WESTERN GROWERS INSURANCE SERVCIES | P. O. BOX 2130 NEWPORT BEACH, CA 92658 | SUN LIFE ASSURANCE COMPANY OF CANADA | $778 | $0 | $778 | 3.30% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENE-FACTS INC. | 4601 WILSHIRE BLVD. SUITE 200 LOS ANGELES, CA 90010 | VISION SERVICE PLAN | $948 | $0 | $948 | 4.14% |
| WESTERN GROWERS INSURANCE SERVICES3 Filed as: WESTERN GROWERS INSURANCE SERVCIES | P. O. BOX 2130 NEWPORT BEACH, CA 92658 | VISION SERVICE PLAN | $617 | $0 | $617 | 2.69% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 358 | $71K |
| Vision | VISION SERVICE PLAN | 89 | $23K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 109 | $43K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 52 | $24K |
| Other | HARTFORD LIFE AND ACCIDENT | 109 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.