| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIA INSURANCE SERVICES IN3 | 244 S SAN PEDRO STREET SUITE 200 LOS ANGELES, CA 90012 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.00% |
| FIA INSURANCE SERVICES IN3 | 244 S SAN PEDRO STREET SUITE 200 LOS ANGELES, CA 90012 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 11.00% |
| FIA INSURANCE SERVICES IN3 | 244 S SAN PEDRO STREET SUITE 200 LOS ANGELES, CA 90012 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| FIA INSURANCE SERVICES IN3 | 244 S SAN PEDRO STREET SUITE 200 LOS ANGELES, CA 90012 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $936 | — | $936 | 13.19% |
| FIA INSURANCE SERVICES IN3 | 244 S SAN PEDRO STREET SUITE 200 LOS ANGELES, CA 90012 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $237 | — | $237 | 5.68% |
| FIA INSURANCE SERVICES IN3 | 244 S SAN PEDRO STREET SUITE 200 LOS ANGELES, CA 90012 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $134 | — | $134 | 15.04% |
| FIA INSURANCE SERVICES IN3 | 244 S SAN PEDRO STREET SUITE 200 LOS ANGELES, CA 90012 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $103 | — | $103 | 13.01% |
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 | 320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HMSA | 23 | $86K |
| Dental | HMSA | 23 | $86K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 317 | $48K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 79 | $8K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 317 | $36K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 575 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 575 | — |
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.