| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LORI COLEMAN3 | 15332 ANTIOCH STREET SUITE 339 PACIFIC PALISADES, CA 90272 | AETNA LIFE INSURANCE CO. | $43K | — | $43K | 2.49% |
| LORI COLEMAN3 | 15332 ANTIOCH STREET SUITE 339 PACIFIC PALISADES, CA 90272 | AETNA HEALTH, INC. | $28K | — | $28K | 2.06% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS | 937 SKY PARK COURT SUITE 250 SAN DIEGO, CA 92123 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 20.25% |
| LORI COLEMAN3 Filed as: LORI A. COLEMAN | 15332 ANTIOCH STREET SUITE 339 PACIFIC PALISADES, CA 90272 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 16.98% |
| PHILLIP PORTER GOODRUM3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $238 | — | $238 | 7.22% |
| DAVID HARRIS ASBURY3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $108 | — | $108 | 3.28% |
| LORI COLEMAN3 Filed as: LORI A COLEMAN | 15332 ANTIOCH STREET SUITE 339 PACIFIC PALISADES, CA 90272 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $58 | — | $58 | 1.76% |
| BENEFITS EXCHANGE ALLIANCE3 Filed as: BENEFITS EXCHANGE ALLIANCE INC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46 | — | $46 | 1.40% |
| THOMAS CHRISTOPHER SMITH3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23 | — | $23 | 0.70% |
| IBENEFIT COMMUNICATION LLC3 | ATTN PHILLIP GOODWIN 131 HILLSIDE AVE. CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $14 | $14 | 0.42% |
| PHILLIP PORTER GOODRUM3 | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 8.10% |
| IBENEFIT COMMUNICATION LLC3 | ATTN PHILLIP GOODRUM 131 HILLSIDE AVE. CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $2 | $21 | 4.48% |
| DAVID HARRIS ASBURY3 | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 3.41% |
| LORI COLEMAN3 Filed as: LORI A. COLEMAN | 15332 ANTIOCH STREET SUITE 339 PACIFIC PALISADES, CA 90272 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 3.20% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $1 | $9 | 1.92% |
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 | 281 | 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) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 244 | $1.7M |
| Dental | AETNA LIFE INSURANCE CO. | 244 | $1.7M |
| Vision | AETNA LIFE INSURANCE CO. | 244 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 261 | $153K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 261 | $153K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 261 | $153K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 261 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.