| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OAKBRIDE ADVISORS3 | 4000 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | BLUE CROSS OF CALIFORNIA | $96K | — | $96K | 3.20% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | BLUE CROSS OF CALIFORNIA | $51K | — | $51K | 1.71% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | — | $30K | $30K | 1.01% |
| OAKBRIDE ADVISORS3 | 4000 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN INC. | $15K | — | $15K | 2.75% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | KAISER FOUNDATION HEALTH PLAN INC. | $9K | — | $9K | 1.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | P.O. BOX 85638 SAN DIEGO, CA 92186 | KAISER FOUNDATION HEALTH PLAN INC. | — | $134 | $134 | 0.03% |
| OAKBRIDE ADVISORS3 | 4000 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | — | $18K | 3.81% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | — | $15K | 3.19% |
| JOHN D EVANGELISTA3 Filed as: JOHN EVANGELISTA | 26111 ANTONIO PKWY RANCHO SANTA MARGARITA, CA 92688 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 0.95% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE ADVISORS | 4000 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 3.15% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | — | $3K | 1.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | P.O. BOX 85638 SAN DIEGO, CA 92186 | KAISER FOUNDATION HEALTH PLAN INC. | — | $72 | $72 | 0.04% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE - SEE ATTACHMENT | P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27K | $7K | $34K | 30.22% |
| OAKBRIDE ADVISORS3 | 4000 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | CALIFORNIA DENTAL NETWORK, INC. | $2K | — | $2K | 9.45% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | CALIFORNIA DENTAL NETWORK, INC. | $95 | — | $95 | 0.55% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | CALIFORNIA DENTAL NETWORK, INC. | $395 | — | $395 | 9.99% |
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 | 501 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 388 | $3.7M |
| Dental(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 501 | $493K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 501 | $3.5M |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 501 | $585K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 121 | $114K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 501 | $472K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 388 | $3.7M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 121 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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.