| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAMONA MOLAYEM | 15233 VENTURA BLVD STE 404 SHERMAN OAKS, CA 91403 | BLUE SHIELD OF CALIFORNIA | $0 | $37K | $37K | 4.81% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: WORD & BROWN | 701 S PARKER ST 8TH FL ORANGE, CA 92868 | BLUE SHIELD OF CALIFORNIA | $15K | $0 | $15K | 1.92% |
| RAMONA MOLAYEM | 922 S BUNDY DRIVE LOS ANGELES, CA 90049 | GUARDIAN DENTAL | $3K | $0 | $3K | 3.70% |
| ENROLLEASE | 660 YORK STREET STE 102 SAN FRANCISCO, CA 94110 | GUARDIAN DENTAL | $2K | $0 | $2K | 2.00% |
| PACIFIC ADVISORS LLC Filed as: PACIFIC ADVISORS INC | 222 N PACIFIC COAST HWY 10TH FLOOR EL SEGUNDO, CA 90245 | GUARDIAN DENTAL | $67 | $0 | $67 | 0.07% |
| MOLAYEM INSURANCE SERVICES INC | 15233 VENTURA BLVD STE 404 SHERMAN OAKS, CA 91403 | VSP VISION CARE | $885 | $0 | $885 | 6.42% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: WORD & BROWN | 701 S PARKER ST 8TH FL ORANGE, CA 92868 | VSP VISION CARE | $690 | $0 | $690 | 5.00% |
| ENROLLEASE Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | VSP VISION CARE | $173 | $0 | $173 | 1.25% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 162 | $773K |
| Dental | GUARDIAN DENTAL | 113 | $91K |
| Vision | VSP VISION CARE | 126 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.