| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAVALI & COMPANY INC3 | 19200 VON KARMAN AVE, STE 600 IRVINE, CA 92612 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 7.50% |
| NAVALI & COMPANY INC3 Filed as: NAVALI & COMPANY | 11601 WILSHIRE BLVD, SUITE 500 LOS ANGELES, CA 90025 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 4.91% |
| NAVALI & COMPANY INC3 | STE 600 19200 VON KARMAN AVE IRVINE, CA 92612 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 10.30% |
| NAVALI & COMPANY INC3 | STE 600 19200 VON KARMAN AVE IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $700 | — | $700 | 15.01% |
| NAVALI & COMPANY INC3 | STE 600 19200 VON KARMAN AVE IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $226 | — | $226 | 10.00% |
| NAVALI & COMPANY INC3 Filed as: NAVALI & COMPANY | 19200 VON KARMAN AVE, STE 600 IRVINE, CA 92612 | CALIFORNIA DENTAL NETWORK, INC. | $185 | — | $185 | 10.02% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 154 | $314K |
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 95 | $33K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 95 | $31K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $7K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.