| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEBRA SMITH-SCHINNERER3 | 25550 HAWTHORNE BLVD. TORRANCE, CA 90505 | AETNA LIFE INSURANCE COMPANY | $105K | — | $105K | 3.92% |
| RLS INSURANCE SERVICES, LLC3 | 13700 MARINA POINTE DRIVE MARINA DEL REY, CA 90292 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 0.19% |
| DEBRA SMITH-SCHINNERER3 | 25550 HAWTHORNE BLVD. TORRANCE, CA 90505 | AETNA HEALTH, INC. | $30K | — | $30K | 3.12% |
| RLS INSURANCE SERVICES, LLC3 | 13700 MARINA POINTE DRIVE MARINA DEL REY, CA 90292 | AETNA HEALTH, INC. | $1K | — | $1K | 0.15% |
| DEBRA SMITH-SCHINNERER3 | 2055 TERRANCE BLVD. TORRANCE, CA 90501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 10.03% |
| DEBRA SMITH-SCHINNERER3 | 2055 TERRANCE BLVD. TORRANCE, CA 90501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.14% |
| DEBRA SMITH-SCHINNERER3 | 25550 HAWTHORNE BLVD. TORRANCE, CA 90505 | VISION SERVICE PLAN | $2K | — | $2K | 3.66% |
| RLS INSURANCE SERVICES, LLC3 | 13700 MARINA POINTE DRIVE MARINA DEL REY, CA 90292 | VISION SERVICE PLAN | $51 | — | $51 | 0.12% |
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 | 485 | 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) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 657 | $3.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 657 | $2.7M |
| Vision | VISION SERVICE PLAN | 333 | $41K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 485 | $249K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 485 | $171K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 485 | $171K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 657 | $3.6M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 485 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 657 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.