| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCH BENEFITS & INSURANCE SOLUTIONS3 Filed as: PCH BENEFITS & INS SOLUTIONS | 4607 LAKEVIEW CANYON ROAD SUITE 501 WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $66K | $0 | $66K | 8.89% |
| PCH BENEFITS & INSURANCE SOLUTIONS3 Filed as: PCH BENEFITS & INSURANCE | 325 EAST HILLCREST DRIVE, SUITE 210 THOUSAND OAKS, CA 91360 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $0 | $11K | 1.53% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $0 | $6K | 0.78% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $798 | $0 | $798 | 0.11% |
| PCH BENEFITS & INSURANCE SOLUTIONS3 Filed as: PCH BENEFITS & INS SOLUTIONS | 4607 LAKEVIEW CANYON ROAD SUITE 501 WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC | $33K | $0 | $33K | 5.04% |
| THOMAS MEANS3 | 325 EAST HILLCREST DRIVE, SUITE 210 THOUSAND OAKS, CA 91360 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 11.93% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 2.24% |
| THOMAS MEANS3 | 325 EAST HILLCREST DRIVE, SUITE 210 THOUSAND OAKS, CA 91360 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.19% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $84 | $2K | 5.52% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | $10 | $252 | $262 | 0.90% |
| THOMAS MEANS3 | 4607 LAKEVIEW CANYON ROAD SUITE 501 WESTLAKE VILLAGE, CA 91361 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $2K | $0 | $2K | 9.35% |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $746K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 257 | $21K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 202 | $109K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 202 | $109K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 202 | $109K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $1.4M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 202 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.
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.