| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANONE SIMPSON INS. SERVICES, LLC | 5550 TOPANGA CANYON BLVD. SUITE 310 WOODLAND HILLS, CA 913677444 | KAISER FOUNDATION HEALTH PLAN INC. | $73K | $0 | $73K | 5.84% |
| DANONE SIMPSON INSURANCE SERVICES3 | DBA MONTAGE INSURANCE SERVICES 5500 TOPANGA CANYON BLVD., STE. 310 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $84K | $0 | $84K | 7.21% |
| DANONE SIMPSON INSURANCE SERVICES3 | DBA MONTAGE INSURANCE SERVICES 5550 TOPANGA CANYON BLVD., STE. 310 WOODLAND HILLS, CA 91367 | CIGNA HEALTHCARE OF CALIFORNIA | $30K | $0 | $30K | 5.00% |
| LYNN G. BARANCIK3 Filed as: LYNN G BARANCIK | 8383 WILSHIRE BLVD. SUITE 600 BEVERLY HILLS, CA 90211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 8.90% |
| DANONE SIMPSON INSURANCE SERVICES3 | DBA MONTAGE INSURANCE 5550 TOPANGA CANYON BLVD. STE. 310 WOODLAND HILLS, CA 913676406 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.18% |
| DANONE SIMPSON INSURANCE SERVICES3 | 5550 TOPANGA CANYON BLVD. SUITE 300 WOODLAND HILLS, CA 91367 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 13.76% |
| MONTAGE INSURANCE SOLUTIONS3 | 5550 TOPANGA CANYON BLVD. SUITE 310 WOODLAND HILLS, CA 91367 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 10.00% |
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 | 266 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 214 | $3.0M |
| Vision | VISION SERVICE PLAN | 261 | $35K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 266 | $38K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $44K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 214 | $1.2M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 266 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.