| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARTON INSURANCE SERVICES INC3 | 6345 BALBOA BLVD #290 ENCINO, CA 91316 | AETNA HEALTH, INC. | $28K | $8K | $36K | 3.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORP OF AZ | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | AETNA HEALTH, INC. | $17K | — | $17K | 1.71% |
| CHARTON INSURANCE SERVICES INC3 | 6345 BALBOA BLVD #290 ENCINO, CA 91316 | AETNA LIFE INSURANCE CO. | $22K | — | $22K | 2.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORP OF AZ | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | AETNA LIFE INSURANCE CO. | $13K | — | $13K | 1.69% |
| PARTNERS INSURANCE SERVICES3 | 6345 BALBOA BOULEVARD, SUITE 290 ENCINO, CA 91316 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $14K | $32K | 13.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 11201 N TATUM BLVD SUITE 300 PHOENIX, AZ 85028 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 3.71% |
| EDWARD CHARTON3 Filed as: EDWARD W CHARTON | 6345 BALBOA BOULEVARD, SUITE 290 ENCINO, CA 91316 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $3K | — | $3K | 3.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF SEATTLE INC | 600 UNIVERSITY STREET SUITE 3100 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $2K | — | $2K | 1.97% |
| UKNOWN3 | UNKNOWN AZUSA, CA 91702 | HOLMAN FAMILY COUNSELING | $352 | — | $352 | 7.62% |
| EDWARD CHARTON3 | 6345 BALBOA BOULEVARD BLDG 4 SUITE 290 ENCINO, CA 91316 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $290 | — | $290 | 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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 210 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $234K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $234K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $234K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $234K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $234K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 311 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.