| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $120K | $5K | $125K | 7.05% |
| 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. | $70K | $0 | $70K | 5.30% |
| DANONE SIMPSON INSURANCE SERVICES3 | 5550 TOPANGA CANYON BLVD. SUITE 300 WOODLAND HILLS, CA 91367 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 9.67% |
| LYNN G. BARANCIK3 Filed as: LYNN G BARANCIK | 8383 WILSHIRE BLVD. SUITE 600 BEVERLY HILLS, CA 90211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $995 | $0 | $995 | 2.46% |
| DANONE SIMPSON INSURANCE SERVICES3 | DBA MONTAGE INSURANCE 5550 TOPANGA CANYON BLVD. STE. 310 WOODLAND HILLS, CA 913676406 | VISION SERVICE PLAN | $7K | $0 | $7K | 18.20% |
| MONTAGE INSURANCE SOLUTIONS3 | 5550 TOPANGA CANYON BLVD. SUITE 310 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 15.00% |
| DANONE SIMPSON INSURANCE SERVICES3 | DBA MONTAGE INSURANCE SERVICES 5550 TOPANGA CANYON BLVD., STE. 310 WOODLAND HILLS, CA 91367 | CIGNA HEALTHCARE OF CALIFORNIA | $1K | $0 | $1K | 5.00% |
| DANONE SIMPSON INSURANCE SERVICES3 | 5550 TOPANGA CANYON BLVD. SUITE 300 WOODLAND HILLS, CA 91367 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 19.74% |
| MONTAGE INSURANCE SOLUTIONS3 | 550 TOPANGA CANYON BLVD. SUITE 310 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $671 | $0 | $671 | 14.99% |
| MONTAGE INSURANCE SOLUTIONS3 | 5550 TOPANGA CANYON BLVD. SUITE 310 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $548 | $0 | $548 | 15.00% |
| MONTAGE INSURANCE SOLUTIONS3 | 5550 TOPANGA CANYON BLVD. SUITE 310 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $469 | $0 | $469 | 15.00% |
| MONTAGE INSURANCE SOLUTIONS3 | 5550 TOPANGA CANYON BLVD. SUITE 310 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $320 | $0 | $320 | 14.99% |
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 | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 217 | $3.1M |
| Vision | VISION SERVICE PLAN | 272 | $36K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 271 | $39K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $40K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 217 | $1.8M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 271 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.