| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIA INSURANCE SERVICES INC3 Filed as: FIA INSURANCE SERVICES | 244 S. SAN PEDRO STREET LOS ANGELES, CA 90012 | AETNA LIFE INSURANCE CO. | $24K | — | $24K | 1.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN INC | 721 S. PARKER, SUITE 300 ORANGE, CA 92868 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 0.86% |
| FIA INSURANCE SERVICES INC3 Filed as: FIA INSURANCE SERVICES | 244 S. SAN PEDRO STREET LOS ANGELES, CA 90012 | AETNA HEALTH INC. | $10K | — | $10K | 0.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN INC | 721 S. PARKER, SUITE 300 ORANGE, CA 92868 | AETNA HEALTH INC. | $10K | — | $10K | 0.88% |
| FIA INSURANCE SERVICES IN3 | 244 S SAN PEDRO STREET, SUITE 200 LOS ANGELES, CA 90012 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 5.64% |
| FIA INSURANCE SERVICES IN3 | 244 S SAN PEDRO STREET, SUITE 200 LOS ANGELES, CA 90012 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 9.63% |
| FIA INSURANCE SERVICES IN3 | 244 S SAN PEDRO STREET, SUITE 200 LOS ANGELES, CA 90012 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 14.17% |
| FIA INSURANCE SERVICES IN3 | 244 S SAN PEDRO STREET, SUITE 200 LOS ANGELES, CA 90012 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.39% |
| FIA INSURANCE SERVICES IN3 | 244 S SAN PEDRO STREET, SUITE 200 LOS ANGELES, CA 90012 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $409 | — | $409 | 5.20% |
| FIA INSURANCE SERVICES IN3 | 244 S SAN PEDRO STREET, SUITE 200 LOS ANGELES, CA 90012 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $572 | — | $572 | 13.24% |
| FIA INSURANCE SERVICES IN3 | 244 S SAN PEDRO STREET, SUITE 200 LOS ANGELES, CA 90012 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $85 | — | $85 | 10.95% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 494 | $2.9M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 494 | $1.7M |
| Vision | AETNA LIFE INSURANCE CO. | 494 | $1.6M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 278 | $94K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 94 | $9K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 278 | $43K |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 494 | $2.9M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 278 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 494 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.