| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAVID JANNATIPOUR3 | 1464 PALISADES DR PACIFIC PALISADES, CA 90272 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 2.77% |
| NAVALI & COMPANY INC3 Filed as: NAVALI & COMPANY | 11601 WILSHIRE BLVD, SUITE 500 LOS ANGELES, CA 90025 | KAISER FOUNDATION HEALTH PLAN INC | $30K | — | $30K | 3.70% |
| NAVID JANNATIPOUR3 | 11601 WILSHIRE BLVD STE 500 LOS ANGELES, CA 900251741 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 9.55% |
| NAVALI & COMPANY INC3 Filed as: NAVALI & COMPANY INSURANCE SER | 11601 WILSHIRE BLVD STE 500 LOS ANGELES, CA 90025 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.49% |
| NAVALI & COMPANY INC3 Filed as: NAVALI & COMPANY INSURANCE SER | 11601 WILSHIRE BLVD STE 500 LOS ANGELES, CA 90025 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| NAVALI & COMPANY INC3 | STE 600 19200 VON KARMAN AVE IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
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 | 457 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 287 | $1.8M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 287 | $1.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 287 | $950K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $19K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 23 | $17K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 280 | $24K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 297 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
No prospect flags tripped on this filing.