| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAVALI & COMPANY INC3 | 19200 VON KARMAN AVE STE 600 IRVINE, CA 84096 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | — | $34K | 4.58% |
| ENROLLEASE3 Filed as: KATZ-PIERZ INC | 413 MARLTON PIKE E STE 100 CHERRY HILL, NJ 05551 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.42% |
| NAVALI & COMPANY INC3 | STE 600 19200 VON KARMAN AVE IRVINE, CA 92612 | STARMOUNT LIFE INSURANCE COMPANY | $8K | — | $8K | 8.44% |
| KISTLER TIFFANY BENEFITS3 | STE 200 400 BERWYN PK 899 CASSALT ROAD BERWYN, PA 19312 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $334 | $2K | 2.16% |
| NAVALI & COMPANY INC3 Filed as: NAVALI & COMPANY INC. | 11601 WILSHIRE BLVD STE 500 LOS ANGELES, CA 900251741 | KAISER FOUNDATION HEALTH PLAN INC | $704 | — | $704 | 2.65% |
| NAVALI & COMPANY INC3 | STE 600 19200 VON KARMAN AVE IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 12.58% |
| KISTLER TIFFANY BENEFITS3 | STE 200 400 BERWYN PK 899 CASSALT ROAD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $266 | $35 | $301 | 2.74% |
| NAVALI & COMPANY INC3 | STE 600 19200 VON KARMAN AVE IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 14.15% |
| KISTLER TIFFANY BENEFITS3 | STE 200 400 BERWYN PK 899 CASSALT ROAD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $286 | $95 | $381 | 3.78% |
| NAVALI & COMPANY INC3 | STE 600 19200 VON KARMAN AVE IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $554 | — | $554 | 8.19% |
| KISTLER TIFFANY BENEFITS3 | STE 200 400 BERWYN PK 899 CASSALT ROAD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $123 | $25 | $148 | 2.19% |
| NAVALI & COMPANY INC3 | STE 600 19200 VON KARMAN AVE IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $802 | — | $802 | 15.97% |
| KISTLER TIFFANY BENEFITS3 | STE 200 400 BERWYN PK 899 CASSALT ROAD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $151 | $50 | $201 | 4.00% |
| NAVALI & COMPANY INC3 Filed as: NAVALI & COMPANY | 19200 VON KARMAN AVE, STE 600 IRVINE, CA 92612 | CALIFORNIA DENTAL NETWORK, INC. | $182 | — | $182 | 8.57% |
| ENROLLEASE3 Filed as: KATZ PIERZ, INC | 413 MARLTON PIKE EAST, STE 100 CHERRY HILL, NJ 08034 | CALIFORNIA DENTAL NETWORK, INC. | $30 | — | $30 | 1.41% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 163 | $767K |
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 93 | $97K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 93 | $94K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $18K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18 | $15K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.