| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VENBROOK INSURANCE SERVICES3 | 6320 CANOGA AVE SUITE 1200 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $214K | $0 | $214K | 5.00% |
| VENBROOK INSURANCE SERVICES3 | 6320 CANOGA AVE SUITE 1200 WOODLAND HILLS, CA 91367 | CIGNA HEALTHCARE OF CALIFORNIA, INC. | $68K | $0 | $68K | 5.00% |
| VENBROOK INSURANCE SERVICES3 | 6320 CANOGA AVE SUITE 1200 WOODLAND HILLS, CA 91367 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $84K | $45K | $129K | 18.61% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $0 | $25K | 3.57% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 0.53% |
| VENBROOK INSURANCE SERVICES3 | 6320 CANOGA AVE SUITE 1200 WOODLAND HILLS, CA 91367 | CIGNA HEALTHCARE OF FLORIDA, INC. | $3K | $0 | $3K | 5.00% |
| VENBROOK INSURANCE SERVICES3 | 6320 CANOGA AVE SUITE 1200 WOODLAND HILLS, CA 91367 | CIGNA HEALTHCARE OF NEW JERSEY, INC. | $2K | $0 | $2K | 5.00% |
| VENBROOK INSURANCE SERVICES3 | 6320 CANOGA AVE SUITE 1200 WOODLAND HILLS, CA 91367 | CIGNA HEALTHCARE OF TEXAS, INC. | $868 | $0 | $868 | 5.00% |
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 | 437 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 291 | $5.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 442 | $694K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 442 | $694K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 442 | $694K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 442 | $694K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 442 | $694K |
| Prescription drug(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 291 | $5.7M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 442 | $694K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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.