| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES MOHR3 | 206 LAMOUR DRIVE LA CANADA, CA 91011 | CALCHOICE | $95K | — | $95K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS | UNKNOWN LOS ANGELES, CA 90024 | CALCHOICE | $33K | $0 | $33K | 1.73% |
| JAMES MOHR3 | 206 LAMOUR DRIVE LA CANADA, CA 91011 | CHOICEBUILDER | $23K | $0 | $23K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS | UNKNOWN LOS ANGELES, CA 90024 | CHOICEBUILDER | $4K | $0 | $4K | 1.78% |
| JAMES MOHR3 Filed as: JAMES J. MOHR | 206 LAMOUR DRIVE LA CANADA, CA 91011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 15.00% |
| JAMES MOHR3 Filed as: JAMES J. MOHR | 206 LAMOUR DRIVE LA CANADA, CA 91011 | TRANSAMERICA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 49.37% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.78% |
| IZAK OKON3 | P O BOX 0570245 TARZANA, CA 91357 | TRANSAMERICA LIFE INSURANCE COMPANY | $836 | — | $836 | 2.33% |
| JAMES MOHR3 | 206 LAMOUR DR LA CANADA, CA 91011 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $21K | $0 | $21K | 90.65% |
| BRIAN KAM HUNG LEE3 | 790 EAST COLORADO BOULEVARD SUITE 710 PASADENA, CA 91101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 26.19% |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALCHOICE | 189 | $1.9M |
| Dental | CHOICEBUILDER | 205 | $226K |
| Vision | CHOICEBUILDER | 205 | $226K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $143K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $84K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $84K |
| Prescription drug | CALCHOICE | 189 | $1.9M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.