| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RLS INSURANCE SERVICES, LLC3 | 13700 MARINA POINTE DRIVE MARINA DEL REY, CA 90292 | AETNA LIFE INSURANCE COMPANY | $110K | — | $110K | 5.07% |
| RLS INSURANCE SERVICES, LLC3 | 13700 MARINA POINTE DRIVE MARINA DEL REY, CA 90292 | AETNA HEALTH, INC. | $37K | — | $37K | 5.09% |
| RLS INSURANCE SERVICES, LLC3 | 13700 MARINA POINT DRIVE MARINA DEL REY, CA 90292 | STARMOUNT LIFE INSURANCE COMPANY | $23K | — | $23K | 9.29% |
| RLS INSURANCE SERVICES, LLC3 | 13700 MARINA POINT DRIVE MARINA DEL REY, CA 90292 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 10.00% |
| RLS INSURANCE SERVICES, LLC3 | 13700 MARINA POINT DRIVE MARINA DEL REY, CA 90292 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.00% |
| RLS INSURANCE SERVICES, LLC3 | 13700 MARINA POINTE DRIVE MARINA DEL REY, CA 90292 | VISION SERVICE PLAN | $2K | — | $2K | 5.04% |
| DEBRA SMITH-SCHINNERER3 | 25550 HAWTHORNE BLVD. TORRANCE, CA 90505 | VISION SERVICE PLAN | -$335 | — | -$335 | -0.98% |
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 | 363 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 352 | $2.9M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 352 | $2.4M |
| Vision | VISION SERVICE PLAN | 240 | $34K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 363 | $219K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 363 | $143K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 363 | $143K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 352 | $2.9M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 363 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.