| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BLVD SANTA MONICA, CA 90405 | AETNA LIFE INSURANCE COMPANY | $18K | — | $18K | 6.22% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BLVD SANTA MONICA, CA 90405 | AETNA HEALTH, INC. | $11K | — | $11K | 5.00% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BLVD., STE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $678 | $4K | 24.66% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BLVD., STE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $720 | $3K | 20.28% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BLVD., STE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $376 | $2K | 25.49% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BLVD., STE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $874 | $313 | $1K | 20.37% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BLVD., STE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $845 | $300 | $1K | 20.33% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BLVD., STE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $653 | $220 | $873 | 20.06% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 121 | $519K |
| Dental | AETNA LIFE INSURANCE COMPANY | 121 | $290K |
| Vision | AETNA LIFE INSURANCE COMPANY | 121 | $290K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $21K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 15 | $6K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 24 | $14K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 121 | $519K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 653 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 653 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.